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Image  Union Super Salary Account (USSA)


Features

 Variant of USSA Scheme

Scheme Code

USSA- I

USSA- II

USSA-III

Eligibility

Employees drawing regular salary

Employees drawing regular salary

Employees drawing regular salary

Gross Salary (Average of last 3 months gross salary)

Less than Rs. 25,000/- per month

Rs. 25,000/- to Rs. 74,999/- per month

Rs. 75000/- and above per month

Quarterly Average Balance

Nil

Nil

Nil

Type of ATM Card

Platinum

Signature/RuPay select

Signature/RuPay Select

Debit Card Charges

Issue charge – Free

Annual Maintenance Charge - Free

Issue charge – Free

Annual Maintenance Charge - Free

Issue charge – Free

Annual Maintenance Charge - Free

ATM Cash Withdrawal Limit

Rs.75000/- per day

Rs 1,00,000 per day

Rs 1,00,000 per day

POS Limit

Rs 150000/- per day

Rs 3,00,000 per day

Rs 3,00,000 per day

Free ATM card access at own ATM

5 transactions (Financial) + non-financial Per Month

Unlimited

Unlimited

Free ATM card access at other ATM

3 transactions (financial + non-financial) per month at Metro or 5 transactions (financial + non-financial) per month at other centers

Unlimited

Unlimited

FREE Personal Accident Insurance to Armed Forces

(Army, Navy, Air Force, AR, BSF, CISF, CRPF, ITBP, NSG, SSB)

With account

Rs 2 Lakhs (Death)

Rs 50 Lakhs

(Death + PPD & TPD)

Rs 50 Lakhs

(Death + PPD & TPD)

With debit card*

Rs 2 Lakhs (by Bank)

Rs 2 Lakhs (additional by NPCI for RuPay Platinum)

Rs 2 Lakhs (by Bank),

 Rs 10 Lakhs (additional by NPCI for RuPay Select Card)

Rs 2 Lakhs (by Bank), Rs 10 Lakhs (additional by NPCI for RuPay Select Card)

FREE Personal Accident Insurance for Central/State Govt, PSU Employees, Police

With account

RS.2 Lakhs (Death)

Rs 40 Lakhs

(Death + PPD & TPD)

Rs 40 Lakhs

(Death + PPD & TPD)

With debit card*

Rs 2 Lakhs (by Bank)

Rs 2 Lakhs (additional by NPCI for RuPay Platinum)

Rs 2 Lakhs (by Bank),

 Rs 10 Lakhs (additional by NPCI for RuPay Select Card)

Rs 2 Lakhs (by Bank), Rs 10 Lakhs (additional by NPCI for RuPay Select Card)

FREE Personal Accident Insurance for others

With account

RS.2 Lakhs

Rs 20 Lakhs

(Death + PPD & TPD)

Rs 40 Lakhs

(Death + PPD & TPD)

With debit card*

Rs 2 Lakhs (by Bank)

Rs 2 Lakhs (additional by NPCI for RuPay Platinum)

Rs 2 Lakhs (by Bank),

 Rs 10 Lakhs (additional by NPCI for RuPay Select Card)

Rs 2 Lakhs (by Bank), Rs 10 Lakhs (additional by NPCI for RuPay Select Card)

FREE Air Accident Insurance with debit card*

5 Lakhs

Rs 100 Lakhs

Rs 100 Lakhs

Free Hospital Cash (Mediclaim) for IPD

Nil

Up to Rs15,000 per annum

Up to Rs15,000 per annum

Personalized Cheque Book

40 leaves free per year

60 leaves free per year

100 leaves free per year

Temporary Overdraft Facility

90% of the one-month net salary with maximum of Rs. 20,000 in the same account.

90% of the one-month net salary credited to account with maximum of Rs 50,000/- in the same account.

90% of the two months net salary credited to account with maximum of Rs 2,00,000/- in the same account.

SMS Charges

As per Applicable charges

Free

Free

Free Remittances From the Account

2 pm (Max. Rs.25000/- pm) DD/NEFT

5 pm (Max. Rs. 50000/- pm) DD/NEFT

Unlimited Free. DD/NEFT

RTGS

As per Applicable charges

As per Applicable charges

Free

IMPS

As per Applicable charges

Free

Free

Locker facility (Allotment subject to availability, Concession shall be extend manually at branches)

Normal Charges

25% concession on 1st year rent.

50% concession on 1st year rent.

Processing fee for Home loan of Rs 25 lacs and above

100% concession

100% concession

100% concession

Processing fee for Home loan below Rs 25 lacs

50% concession

50% concession

50% concession

Processing fee for retail loan (other than Home loan) scheme

50% concession

50% concession

50% concession

Rate of Interest on Home loan

0.05% p.a. concession in applicable ROI

0.05% p.a. concession in applicable ROI

0.05% p.a. concession in applicable ROI

Rate of Interest on Vehicle loan

0.10% p.a. concession in applicable ROI

0.10% p.a. concession in applicable ROI

0.10% p.a. concession in applicable ROI

Rate of Interest on Education loan more than Rs 75 lacs for study abroad / premier institution

0.10% p.a. concession in applicable ROI

0.10% p.a. concession in applicable ROI

0.10% p.a. concession in applicable ROI

Rate of Interest on Mortgage loan

0.10% p.a. concession in applicable ROI

0.10% p.a. concession in applicable ROI

0.10% p.a. concession in applicable ROI

Rate of Interest on Personal loan

0.10% p.a. concession in applicable ROI

0.10% p.a. concession in applicable ROI

0.10% p.a. concession in applicable ROI

Joint A/c Facility with spouse

Yes

Yes

Yes

Zero Balance account to family members (BSBDA)

Available for 3 family members (Spouse,2 Children)

Available for 3 family members (Spouse,2 Children)

Available for 3 family members (Spouse,2 Children)

Account closure -within 14 days or after 12 months

Nil

Nil

Nil

Account closure -Between 15 days to 12 months

As per applicable charges.

As per applicable charges.

As per applicable charges.


*Additional Accident insurance of Rs 2 lakhs and Rs 10 lakhs is extended by NPCI with RuPay Platinum and RuPay Select card respectively. No additional accident insurance is available with RuPay Classic and VISA Signature debit card.