look news india
Many times banks deduct money from our account without any reason and then the account goes into minus. The customer is left with no option but to close the account. But even when you go to close your account, the bank officials do not close your account and say that your account can be closed after paying the minus amount. If you are also struggling with the same problem, then let us tell you the solution to this problem.
What is happening these days?
Nowadays everyone gives preference to savings bank account. While opening a savings account, the bank tells its customers the terms and conditions that after opening the bank account, they have to maintain a minimum balance in the account. The minimum balance limit is also decided by the bank itself. If there is no minimum balance in the customer's account, a penalty is charged instead.
What does RBI rule say?
According to RBI rules, the bank cannot deduct money from the customer's account even if there is no minimum balance. At the same time, the bank cannot make the customer's account negative by making deduction in the name of penalty. Still, if any bank does this then the customer can go to RBI and complain about the bank.
Let us tell you that on the basis of your complaint, RBI will take action against that bank. If you want, you can also complain by visiting the official website of RBI. Nowadays, when this happens, a solution can be found by complaining to that bank. Many times banks return the amount later. All you have to do is talk to their customer care and tell them your problem.
