Schedule of charges for Wings Savings Accounts w.e.f 8th January 2023.

Features & Criteria and Charges

Average Monthly Balance (AMB) - Metro and Urban	₹ 50,000/-
Average Monthly Balance (AMB) - Semi Urban & Rural	₹ 25,000/-
AMB Non Maintenance Charges	NIL
Cheque Book	Free

Wings Family Banking Program

Maximum Family Members	4
Relationship Requirement at Family Level*	Combined Savings AMB of ₹1 lac or Combined Relationship Value (RV) of Rs 5 lacs
AMB/RV Non Maintenance Charges	NIL
Type of Accounts Allowed	Regular Savings, Eva, Wings
Type of Debit Card	Debit Card for applicable Product
Debit Card Charges	Waived for all Family Members
Family Members	As per Family Definition mentioned below
Locker Discount	25% for all Members

International Debit Card

Choice Of Debit Cards	Wings Signature	Wings Platinum
Issuance Fees (First Year)	NIL	NIL
Renewal Fees (Second Year onwards) ** Waived on maintenance of ₹50,000 AMB or ₹2,00,000 RV	₹400 p.a.	₹199 p.a
Daily Cash withdrawal Limits (ATM)	₹1.5 lacs
Daily Shopping Limits (PoS and online)	₹3.0 lacs
Cash Withdrawal Transactions (other Bank ATMs)	3 Transactions	3 Transactions
Airport Longue Access at Domestic Terminals	2 per quarter	1 per quarter
Fuel Surcharge at Petrol Pumps	Nil Unlimited	Nil Unlimited
Free Air Accident Coverage (On Request)^	₹30 lacs
Free Personal Accident Coverage (On Request)^	₹10 lacs
Free Home Burglary and Fire accident Coverage(On Request)^	₹2 lacs
Reward Points (PoS Spends)	2 Points for spend of ₹100/-	2 Points for spend of ₹150/-
Cash Withdrawal outside India	₹110/- per transaction
Balance Inquiry outside India	₹25/- per transaction

Payment Service Charges

RTGS Inward	Free
NEFT Inward	Free
IMPS Inward	Free
RTGS Outward	Free
NEFT Outward	Free
IMPS Outward (per day limit of ₹5,00,000)	₹1/ - per transaction
PAP Cheque payment	Free
Demand Draft / Pay order (ESFB Branch Location)	Free up to 10 DDs per month
Charges beyond 10 per month (ESFB Branch Location)	50 per DD
Demand Draft (Non ESFB Branch Location)	100 per DD

Clearing and Collection Charges

Local cheque clearing	Free
Outstation cheque collection charges	"Up to ₹5,000 – ₹25; Above 5,000 and upto ₹10,000 – ₹50; Above ₹10,000 and upto ₹1,00,000 – ₹100; Above ₹100,000 –₹150

Cash Transaction Charges

Cash Deposit Free Limit (Branch & ATM) - Any Equitas Branch	Free till ₹2,50,000 per month
Cash Deposit Charges beyond free limits (Home Branch & Non Home Branch)	₹4/1000
Cash Withdrawal at home location	Free
Cash Withdrawal at non-home location	Free

Other Banking Services Charges

Stop Payment Online	Free Unlimited
Stop Payment of Cheque at Branch	₹100
Stop Payment of Full Cheque Book at Branch	₹150 for a series of 25 cheques
Inward Cheque return for technical Reason	Free
Outward Cheque return for technical Reason	Free
Inward Cheque return charges for Financial Reasons	₹350 per cheque up to 2 cheques        ₹500 per cheque for 3-5 cheques        ₹750 per cheque 6th cheque onwards
Outward Cheque return charges for Financial Reason	₹100 per cheque
Standing Instructions for RD	Free
Standing Instructions for SIP	Free
Standing Instructions for Bill Payment	Free
Standing Instruction Failure (Financial Reasons)	₹150 per return
ECS / NACH Failure (Financial Reasons)	₹200 per return
SMS alerts	Free
Balance Certificate Online	Free
Balance Certificate at Branch	Free
Previous year balance and interest statement - online	Free
Previous year balance and interest statement (physical copy)	1 free per annum, ₹300 per statement thereafter
Passbook issuance	Free
Signature verification certificate / Photo attestation / Address confirmation	₹50 per instance
Duplicate TDS certificate	₹150
Duplicate account statement online or on email	Free
Duplicate account statement print	₹50
DD / PO revalidation / cancellation	₹100
Account closure charges if closed on customer request after 15 days of account opening and before completing 6 months	₹500

Doorstep Banking

Cheque pickup (on call)	₹50 per instance
Cheque pickup beat (Per month)	₹300

Cash Pickup on Beat (Charges per month)

Up to ₹2,00,000	₹ 2,200
₹2,00,000 to ₹5,00,000	₹3,200
₹5,00,000 to ₹10,00,000	₹8,000
₹10,00,000 to ₹20,00,000	₹12,000
₹20,00,000 above	Contact Branch

Cash Pickup on call (Charges per instance)

Up to ₹2,00,000	₹ 150
₹2,00,000 to ₹5,00,000	₹300
₹5,00,000 to ₹10,00,000	₹500
₹10,00,000 to ₹20,00,000	₹800
₹20,00,000 above	Contact Branch

Guidelines

The Equitas Wings Family Banking Program qualification to be measured six monthly. In case of non fulfilment of eligibility criteria, the family Banking Program Benefits shall be withdrawn. Once withdrawn, the respective Schedule of Charges of individual account shall apply for each person. RV (Relationship Value) includes balances in Savings accounts, Fixed Deposits and Recurring Deposits.

With respect to Debit Card Charges, it is clarfied that:
1) If Customer has opted for Wings Family Banking Program and has fulfilled the combined Family criteria, the Debit Card charges for family members are waived
2) If Wings Family banking Program is not opted/or withdrawn, then Debit Card charges are waived on each customer maintaining either Rs. 50,000 AMB or Rs. 2,00,000
RV at an individual level.

ELITE Debit Card is issued to ELITE customers only, Rs.499 charges applicable if customer no longer holds ELITE program status(contact customer care/branch for replacement debit card to avoid changes)

• Cash withdrawal failed due to insufficient funds considered as financial transaction
• All Debits, Credits above ₹5000 only (for alert of credit below ₹5000 raise request with branch or customer care)
• Insurance can be availed by logging into www.equitasbank.com and signing up by clicking on the Wings page. Benefits are applicable only when specifically registered.