Co-operative Bank

The Cooperative Bank, Kapurthala

Services Charges

Detail of services

 Revised charges from customers

From Staff


Collection of outstation cheques

Upto Rs.5000.00         Rs.25.00

From 5000 to 10000  Rs.50.00 per instrument

From 10001 to 1 laks -  Rs.100.00 per instrument

Above Rs.1.00 lakh- Rs.150.00per instrument

Same as from other customers

Bills upto Rs.10000

Rs.10000 and above

Rs.50  + postal charges

Rs.6.00 per thousand ,min Rs.100.00+ postal Charges  and max 12000.00 +postal charges        *No collection charges to be levied for collection of local cheques/drafts.however out of pocket expenses be recovered in full.

Collection charges in case of outstation cheques/bills should be levied on the gross amount of instrument.

Further ,no Charges be taken from senior citizens/pensioners for collection of pentionupto Rs.10000.00

Same as from other customers

Cheque/Bills return unpaid

-local cheque/bills

In case of loan cheque returns in outward clearing.

Charges for first time

Charges on second return

Charges on third return

Outstation Cheque/bills

Rs.50.00 for outward returns.




Rs.100.00 per instrument

Rs.200.00  per instrument

Rs.500.00 per instrument

Rs.100.00 postal charges

Same as from other customers

Issuance od DD/telegraphic Transfer/mail

Upto Rs.5000

Rs.5001 upto Rs.10000.00

Above Rs.10000.00





Rs.2.00 per thousand thereof and minimum Rs.20.00 maximum Rs.10000.00


Every staff member should be entitled for 2 drafts/payorders in a month, upto Rs.1.00 lakhs in total,only from his salary account, further free facility is not applicable in case of DDs are purchased from other bank, staff members shall bear the

Issuance of duplicate Drafts/banker cheques/Payorders


Same as from other customers

Revalidation/cancellation Of Drafts/banker Cheques/Payorders

Rs.50 .00


Issuance Of Payorder/ banker Cheque

Upto 5000

Rs.5001 to10000

Above Rs.10000



Rs.20 .00


Rs.2.00 per thousand or part thereof and min Rs.20.00 Max. Rs.10000.00

As combined with Issuance of DDs






Standing Instructions

No Charges for registration

Rs.50.00  per transaction, involving credit to account in other branch, remittance charges at the prescribed rate and actual postal shall be recovered additionally, charges to be levied on the account from whichthe amount is transferred

Rs.10.00 for standing instructions for transfer of amount under same customer ID within the branch from one account to another.


Safe custody Charges Scripts


Same as from other customers


Stop payment Instructions

All type of accounts

Rs.50.00  per instructions( Upto 2 instruments) after that Rs.20.00 + taxes per instrument and Rs.200  for continuous series upto 20.00 instruments.



Same as from other customers

Statement  of accounts

All type of accounts

Current account

One statement of current month FREE

Rs.50.00   for  duplicate statement upto one year old entries

Rs.100.00  for statement prior to 1 yr

Saving bank

Rs.50.00  for any type of statement,except in case the statement are required for loan from same branch should be generated and given after taking written request










Free only for salary account.It should be generated and given after taking written request

Duplicate Pass book

Rs.50.00   with one month old entries, but should be issued on written request only.thereafter copy of statement is given as per charges mentioned above.


Maintenance of Minimum Balance

Saving bank Deposit

The customer who does not  maintain minimum balance of Rs.500 and Rs.1000 with cheque book  facility in his/her account



Rs50.00 per month Charges will be debited every month

Except for Ex. Staff members and senior citizens

No minimum balance is required in salary account ,where the salary is credited.

Current account

Min.Balance Rs.5000.00

If the Balance in the account is less than the penalty charges than the amt. available should be deducted and remaining amount should be kept in hold upto 3 months and  account should be closed under intimation to the customer under ordinary post

Rs.250.00 per month and charges will be debited every month for non maintenance of min. balance


Cheque Book charges

Saving Bank Account



Current Account


One cheque book containing 20.00 leaves per half year & Rs.2.50 per leaves For extra cheques

Rs.3.00 per leaf, no free cheque book is to be issued in current account

One cheque book of 10 leaves every month of salary account is to be given free, Rs.2.50 per leaf for extra cheques

Charges for excess debit entries in SB accounts

After 30 manual debit entries per half yr..Rs.5.00  per entry  should be debited by the system.

No charges ,where staff ODs are maintained

Payments under CBS other than parent br.





Cash Payment/ deposit under CBS

Upto Rs.20000.00 free of cost.

Above Rs.20000.00 upto Rs.50000.00 – Rs.50.00  should be  charged by the system, only for  cash  transaction.

Max Limit is Rs.50000.00 and the payment above Rs.20000.00 is to be made by cheque only.


No charges for staff  in salary account under inter branch cash payment .Max. Limit is Rs.50000 and payment above Rs.20000 is to be made by cheque only


Locker rent



Small Locker

Medium locker


Extra large




Penalties for locker rent default





Extra Large




Rent                                 Lien

Rs.800.00  p.a        Rs.15000 in SB A/C

Rs.1500.00 P.a      Rs.15000 in SB A/C

Rs.2500.00 p.a      Rs.25000 in SB A/C

Rs.4000.00 p.a      Rs.25000 in SB A/C

Branches must ensure to mark minimum balance lien in S/B account linked with respective locker A/C.

Penalties charges per quarter or part thereof





Any default will attract penalty charges for full quarter

50% concession on one locker rent

Note. In case of loss of key of expenditure incurred for breaking open the locker and changing the lock by the manufacturers of lockers, should be recovered from the account holder




Penalty – same as to be charged from other customer






Cash deposit in current account except Govt./Coop deptt.


Upto Rs.1 lakh                     Free

Above 1 lakh – denomination upto rs.100-     Rs.10 Per packet

Denomination above Rs.100- Rs. 8.00 per packet Max Rs.1000.00







Account Closer Charges before 6 Months

Rs.150.00 Saving  account

Rs.500.00 Current account

( On account of death of customers no charges should be lieved

No Charges





Photo attestation Charges

Rs.50.00for saving bank

Rs.100.00 for current account

No charges

Signature Verification

Rs.50.00 for saving bank

Rs.100.00 for current account

Free for – Students, defense forces, war widows, physically handicap & signature attestation for ECS purpose

No Charges

Interest certificate / Balance certificate

First Copy free

Subsequent copy- Rs.50.00 per copy

No Charges



Closing of RD a/c before maturity





Penalty for late payment of RD installment


On account of death of the customer no charges should be levied.

Penalty charges to be levied for delay installments in recurring deposit. account @Rs.2.00 for Rs.100.00 P.m. irrespective of the periodicity of deposit. Minimum Rs 20.00.





 Same as from other customers

Bank Guarantee against deposit


Upto Rs.500000.00 - 2%

Above Rs.500000.00 – Rs.1%

Charges to be levied at the time of issuing of guarantee.

Same as from other customers






 upto Rs.10000.00

 from Rs.10001.00 to 1.00 Lakh

Above Rs.1.00 lakh to 2.00 Lakh

Above Rs.2.00 Lakh to Rs.5.00 Lakh

Above Rs.5.00 Lakh










ECS debit  Return

Rs250.00 for first return in the month, thereafter Rs.500 per return in the same month

Same as from customer

Charges on NACH Mandate



Inward NACH Verification


Outward NACH Mandate of Corporates



Mandate                  Mandate  Acceptance            failed Chgs


Rs.100.00                       NIL


Rs.50 .00                        Rs.250





NOTE.   GST/Taxes be charged in addition to above said service charges.