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Current Account

The Vaish Cooperative Adarsh Bank Ltd, where we redefine the concept of a Current Account to meet the dynamic needs of businesses, entrepreneurs, and professionals. Your business is unique, and so are your banking needs. Our Current Account offers customizable banking solutions tailored to your specific requirements. Our Current Account is designed to provide you with the flexibility, convenience, and efficiency required to manage your day-to-day finances seamlessly.

Our Current Account Features

We help businesses and customers achieve more.

  • ATM/Debit Card facility for ATM, E-Commerce and Point of Sale.

  • All Resident Indians (Individuals/ Sole Proprietor/ Partnership/ Company/ Trust/ HUF etc.) can open the Account.

  • Minimum balance required to be maintained ₹ 3000/-

  • Inter Branch transactions.

  • NEFT/RTGS Facility.

  • SMS facility for all transactions.

Current Account With Flexi FD

Facility is available only on specific request of the customer.
Current Account combine with “sweep-in and sweep-out” facility to take care of withdrawals.
Facility is available to current deposit account holders of individuals, proprietorship, partnership, School, College and other institutions other than TC societies.
Daily minimum balance of ₹ 1,00,000.00 in current A/c is required.
Amount in excess of ₹ 1,00,000.00 will be transferred to Flexi FD A/c in multiple of ₹ 50,000.00 for a minimum period of 15 days and maximum period of 91 days.
Rate of interest: 15 days to 29 days – 4% p.a. and 30 days to 91 days – 5.75% p.a. subject to change from time to time without prior intimation to the A/c holder.
Flexi FD will be created for 91 days and interest thereon will be credited into linked current account.
To meet urgent requirement of funds in the Current A/c, funds in multiples of ₹. 50,000.00 will be swept-in from Flexi FD A/c on last-in-first-out basis subject to availability of funds.
Automatic renewal facility for original tenure and amount of deposit
Interest will be payable on flexi FD only as per maturity period.
Payment before maturity will be allowed without penalty, to meet shortfall in current A/c if any, subject to availability of funds.
Penalty charges of ₹. 500.00 per month will be levied where the balance in current deposit account falls below the minimum stipulated amount.
TDS as applicable.
No physical FD receipt will be issued.

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