Terms & Conditions for Gold Plus Savings Account
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1 Terms & Cnditins fr Gld Plus Savings Accunt These Terms and Cnditins (the Terms ) apply t and regulate the peratin f the Gld Plus Savings Accunt with Quantum Optima Facility (the Accunt ) ffered by ICICI Bank in additin t the Terms and Cnditins f the standard Savings Accunt f ICICI Bank (the Primary Terms and Cnditins ) as available n The Facility is a type f Fixed Depsit which gives the eligible custmers a higher interest rate aplicable n FDs n the excess funds in the savings accunt f a custmer. T the extent f any incnsistency between these Terms and Primary Terms and Cnditins, these Terms shall prevail. All capitalized terms used herein but nt defined shall have the same meaning as specified under Primary Terms and Cnditins. Terms and Cnditins fr Gld Plus Savings Accunt Eligibility Criteria fr availing the Facility: Resident individual custmers with age f 57 years and abve (fr Defense Persnnel age f 50 years and abve and retiring) The Facility shall be available fr new as well as existing custmer/s. The Facility shall als be ffered as a Jint Accunt Custmers can pen a Gld Plus Savings Accunt by executing the savings accunt pening frm and dcuments as per nrmal accunt pening prcedure fllwed by ICICI Bank. Quantum ptima facility will be prvided thrugh a separate annexure which shall be executed by the custmer at the time f accunt pening. Features f the Facility: The features f Gld Plus Savings Accunt that will be given t the custmer shall be as fllws: Free Gld Privilege Debit Card with exciting ffers & Visa Privileges. T knw mre, click here Unlimited cash withdrawal transactins at any bank s ATM, free f charge 20% discunt n annual lcker rentals Free Anywhere banking Mney Multiplier facility Free multi-city chequebk Free passbk facility fr accunt hlders (individuals) Free Statement facility Quantum Optima facility will be given with belw mentined parameters:
2 a) b) Threshld limit in savings accunt abve which QO FD will be created 75,000 Minimum amunt f FD t be created when balance exceeds 75,000 25,000 Multiple amunt in which QO FD will be created 25,000 c) d) Fr example, a) If savings accunt balance is 1,20,000, a single QO FD will be created fr 25,000 and SB balance f 95,000 will remain. b) If savings accunt balance is 1,35,000, a single QO FD will be created fr 50,000 and SB f 85,000 will remain. Threshld limit in savings accunt t trigger QO FD withdrawal/breakage 75,000 a. The minimum mnthly average balance (hereinafter referred t as MAB ) fr the Facility shall be 50,000. Nn-maintenance f the required MAB in the accunt in any mnth attracts a penalty charge f a Gld Privilege Savings Accunt. Click here fr the Schedule f Charges. Quantum Optima FD amunt will als be cnsidered while calculating MAB amunt. b. ICICI Bank shall have the sle and abslute discretin, withut assigning any reasns whatsever,(unless required by applicable law) and withut prviding any ntice, t mdify the status f the Savings Accunt f the Custmer t any ther apprpriate status at any time if the Custmer/s des nt fulfil the specified criteria and/r minimum Mnthly Average Balance, as may be applicable as per ICICI Bank plicy and/r any ther criteria which ICICI Bank may deem necessary fr them t maintain this Accunt. c. Under n circumstances shall ICICI Bank be liable t the Custmer/s fr any direct, indirect, incidental, cnsequential, special r exemplary csts, lsses, damages r expenses, incurred by the Custmer/s due t any change in the status f the Accunt. e. There will be n additinal charges levied n Gld Privilege custmers fr Multicity cheque payment. g. There will be cmplete waiver f Anywhere Banking charges levied n Gld Privilege custmers. h. There will be cmplete waiver f Annual fee levied n Debit card fr Gld Privilege custmers. i. There will be n charges levied fr withdrawal f cash and balance enquiry thrugh any bank s ATM fr Gld Privilege custmers.
3 j. There will be n charges n DD/PO up t 1,50,000 per day fr Gld Privilege custmers. k. Accunts having a jint mde f peratin shall nt be eligible fr up-gradatin thrugh ICICI Bank s mbile, internet and phne banking services (alternate channels). l. By applying thrugh any f the alternate channels, the custmer accepts that he has read, understd and accepted the Terms and Cnditins applicable t Privilege Banking Savings Accunt and terms applicable t the specific alternate channels thrugh which the request has been made. m. ICICI Bank reserves the right t make changes t the Terms after giving prir due intimatin. These Terms and cnditins are applicable n ICICI Bank s Quantum Optima Fixed Depsits ( Facility ) I. General Terms 1. The Facility is a type f FD (FD) which gives the eligible custmers a higher interest rate aplicable n FDs n the excess funds in the savings accunt f a custmer. 1. The eligibility criteria fr availing the Facility is as fllws: a. The custmer(s) shuld hld a resident Indian Savings Bank Accunt/s ( Resident Savings Accunt/s ); b. The custmer/s has/have t maintain a minimum average balance f - 50,000, in the linked Resident Savings Accunt, r such ther amunt as may be designated frm time t time by the Bank. c. 2. Under the Facility, and in the case the accunt balance exceeds 75,000 (Rupees Seventy five thusand), FDs shall be autmatically created nce a week every Tuesday. In case Tuesday falls n hliday, the FD shall be pened n next wrking day. 3. Any FD creatin under this facility will be fr a minimum amunt f 25,000 (Rupees Twenty-five thusand) and in multiple(s) f 25,000 (Rupees Twenty-five thusand) nly. Bank will nt prcess any request(s), if the amunt is nt in multiples f 25, (Rupees Twenty-five thusand). 2. Opening and linking f FD: 1. Mre than ne (1) FD can be created and linked t the same Resident Savings Accunt. Each FD s pened shall be a new and separate FD carrying the interest rate applicable at the time f creatin f the FD. The FDs s created will be under the same Custmer ID as the Resident Savings Accunt.
4 2. Under the Facility, linked FDs are brken autmatically and the mney therein is transferred back t the Residents Savings Accunt, ( Reverse Sweep ) t meet any shrtfalls arising in the Resident Savings Accunt(s) as a result f withdrawals r as a result f insufficient minimum balance mandated fr such Resident Savings Accunt/s by the Bank frm time t time. Reverse Sweep will be enabled in multiples f 5,000 nly, whenever the balance in the linked Resident Savings Accunt falls belw 75,000, r such ther amunts as may be designated by the Bank frm time t time. If the Custmer has mre than ne FD under the Facility, the mst recent FD made under the Facility will be brken first (t meet the shrtfall. 3. Under the Facility, the FD shall pened fr a default tenure f 12 mnths 1 day as may be stipulated by the custmer (whichever is higher). The FD s created shall be pened in cumulative mde. III. Aut Renewal f FD: The FD falling due, alng with interest accumulated against such FD, will be aut renewed n the date f its maturity, by default, fr a further perid f 12 mnths 1 day nly. The interest payable n such FD/s will be at the rate applicable n such FD f the Bank, fr the respective perid, prevailing as n the date f such renewal. IV. Payment f interest n FD: 1. The FD created under Facility will carry rates f interest as revised by the Bank frm time t time and as per the RBI guidelines. V. Partial/Premature withdrawal f FD: 1. In case f partial/premature withdrawal frm FD due t Reverse Sweep, interest will be paid at the rate applicable n the date f depsit fr the perid fr which the depsit has remained with the Bank. The depsit may be subject t penal rate f interest as prescribed by the Bank n the date f depsit. 2. Fr the depsit amunt remaining after the part withdrawal, interest rate will be reset as the rate applicable fr the amunt remaining, fr the riginal tenure, as prevailing n the date f pening f the depsit. VI. Nminatin: In case FD is getting created autmatically thrugh Facility availed by the custmer, nminatin details updated in the linked Resident Savings Accunt will be autmatically carried frward t the FD created frm it. VII. FD Receipt: N FD Receipt will be issued fr such Quantum Optima FDs. The details f Quantum Optima FD will be shwn in the statement f accunt issued t custmers as per Bank s
5 prevailing plicy. VIII. Other terms: 1. N verdraft/lan will be prvided against the security f FDs made under the Facility. N lien will be marked r security will be created n this FD. 2. Charges wuld be levied fr nn-maintenance f minimum balance in the linked Resident Savings Accunt as per the Banks rule frm time t time. 3. Custmer/s can request fr de-linking f FDs made frm the savings accunt by calling the custmer care r the Bank's branch 4. The depsit hlder(s) shall intimate the Bank in writing f any change in address and residential status f the depsitr hlder/s. 5. All taxes, duties, levies r ther statutry dues and charges applicable in cnnectin with the benefits accruing as per the terms f these FDs will be recverable frm the custmer s accunt held with the Bank. 6. The FDs linked under Facilitywill be under uncnditinal lien t the Bank and the Bank will have a right f set ff against the dues payable t the Bank. Fr this purpse, the Bank is within its rights t clse the FD(s) prematurely by applying default rate f interest/s. The Bank's lien will have pririty ver any bligatin t pay a cheque drawn n the linked Resident Savings Accunt/s. 7. ICICI Bank reserves the right t mdify/change/delete all r any f the abve terms withut assigning any reasns fr the same. ICICI Bank als reserves the right t discntinue the service withut assigning any reasns r withut any prir intimatin whatsever. It shall be the custmers' respnsibility t keep himself updated abut such changes and ICICI Bank shall nt be respnsible fr any lss r damage suffered by anyne as a result f such change r discntinuance. 8. The terms and cnditins cntaine dherein shall be in addiitn t the terms and cndiitns f ICICI Bank applicable n FDs and available at
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