Uttar Bihar Gramin Bank Basic Savings Account

If you want a simple bank account that does the basics well, the Uttar Bihar Gramin Bank (UBGB) Basic Savings Account is an easy choice. It is built for everyday banking: receive money, keep it safe, make small payments, and withdraw cash when you need it. No complicated terms. No hidden hurdles. Just the essentials that most people use, offered in a friendly, accessible way.

What this account is designed for

The Basic Savings Account focuses on convenience and inclusion. It helps first-time account holders, salaried individuals, homemakers, students, pensioners, and small savers manage day-to-day money without worrying about penalties or complex rules. If you want a no-frills account that covers cash deposits, withdrawals, a cheque book, and ATM access (as eligible), you will feel at home here.

Eligibility in plain words

This account is open to all Indian citizens. Non-Resident Indians (NRIs) are not eligible. You can apply as an individual, and the bank will guide you through a simple Know Your Customer (KYC) process. If you already bank with UBGB, you will find the process even smoother. If you are new to formal banking, the branch team can help you complete the paperwork correctly on the first attempt.

Zero minimum balance means zero stress

The headline feature is zero minimum balance. You can open and operate the account without keeping a fixed minimum amount. If your balance drops to a small figure during tight months, there is no minimum balance penalty. This is especially helpful for students, daily wage earners, seasonal workers, and families managing variable cash flows.

Cheque book facility you can count on

You receive a free cheque book when you open the account. If you need more leaves later, the bank provides additional cheque books for a nominal fee as per prevailing rules. Cheques are still useful for rent, fees, reimbursements, and situations where a paper trail matters. With a passbook and cheques together, you have clear, physical records that are easy to reference.

ATM facility for educated account holders

If you are an educated account holder (as defined by bank policy), you can opt for ATM services linked to your Basic Savings Account. This gives you 24×7 cash access and makes small purchases easier. You also get up to 4 free ATM withdrawals per month. That covers most routine needs. If you require more cash more often, you can plan branch withdrawals or digital alternatives accordingly.

Deposits and withdrawals made simple

There is no limit on the number or amount of deposits you can make in a month. Add money whenever it is convenient—salary credits, transfers from family, cash you want to keep safe, or savings from your business income (if you use a separate account for business transactions). For withdrawals, you have multiple options: ATM (as eligible), cheque, or cash at the branch counter. Keep your passbook updated so you always know where you stand.

Clean overdraft for small, short-term needs

The account provides a Clean Overdraft (OD) up to ₹500. This is a small safety cushion for emergencies—like buying essential medicines or paying a critical bill when your balance is just short. Use it responsibly and clear it as soon as possible. Think of it as a backup, not a regular borrowing option.

Nomination that protects your family

Do not skip the nomination step. It takes only a minute and ensures your savings pass on to the right person without hassles. You can add a nominee at account opening and update it later if your family situation changes. This is one of the simplest ways to safeguard your money for your loved ones.

How to open the account: documents checklist

Opening a Basic Savings Account is straightforward. Visit your nearest UBGB branch with:

• UBGB Account Application Form (you can fill this at the branch)
• Signature specimen as per bank instructions
• PAN Card; if you do not have PAN, provide Form 60/61
• Proof of Residence (as per accepted KYC documents)
• Two passport-size photographs

The branch team will verify your documents and complete KYC as per regulations. Keep originals handy for verification and carry clear photocopies to speed up the process.

Charges and limits you should remember

A few quick pointers help you avoid surprises:

• Zero minimum balance: no penalties for a low balance
• ATM withdrawals: up to 4 free per month; standard charges may apply beyond that as per bank policy
• Additional cheque books: available for a nominal fee
• Clean OD: up to ₹500 subject to eligibility and bank rules

Whenever in doubt, ask the branch for the latest schedule of charges. Policies can be updated from time to time.

Who will benefit the most

• Students and first-time savers who want a safe, zero-pressure account
• Homemakers and pensioners who prefer passbook tracking and occasional cheques
• Salaried individuals who need a reliable account for salary credits and routine expenses
• Families who want a basic, low-maintenance account for household budgeting
• People in rural and semi-urban areas who value branch support and simple documentation

Smart habits to get more from your account

• Update your passbook during each branch visit. It keeps your records clean.
• Use your free ATM withdrawals wisely and plan cash needs to avoid extra charges.
• Enable nomination on day one, then revisit it after major life events.
• Keep photocopies of KYC documents together with your account details for quick reference.
• Set small savings goals. Even modest, regular deposits build a helpful cushion over time.

Frequently asked questions

Is this a zero-balance account?
Yes. There is no minimum balance requirement, and no penalty for not maintaining one.

Do I get a cheque book?
Yes. A free cheque book is issued at account opening. Additional cheque books are available for a nominal fee.

Is ATM access available to everyone?
ATM facility is available for educated account holders as per bank policy. Check your eligibility at the branch.

How many ATM withdrawals are free?
You get up to four free ATM withdrawals per month. Beyond that, standard charges may apply.

Can I get an overdraft on this account?
Yes. You may avail a Clean OD up to ₹500, subject to bank rules and eligibility.

Are there limits on deposits?
No. You can make unlimited deposits in a month.

Final word

The UBGB Basic Savings Account delivers exactly what most people need for everyday banking—zero minimum balance, cheque book access, ATM withdrawals (as eligible), unlimited deposits, a small overdraft cushion, and simple documentation. It is practical, predictable, and supported by friendly branch service. If you are looking for a no-frills account that respects your money and your time, this one is made for you.