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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

Classic Card

Platinum Card

Signature Card

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.25000/- per day

Rs 75,000 per day

Rs 1,00,000 per day

POS Limit

Rs 50000/- per day

Rs 1,50,000 per day

Rs 3,00,000 per day

ATM card access at own ATM

8 transactions (financial) per month Free.

Unlimited    Free

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 centres are Free

10 transactions per month FREE at all centers.

Unlimited Free.

Personal Accident Insurance (Death) cover for Pvt, Govt, PSU etc

With account

Rs 2 Lakhs FREE

Rs 5 Lakhs FREE

Rs 10 Lakhs FREE

With debit card*

Rs 2 Lakhs FREE

Rs 2 Lakhs FREE (by bank), Rs 2 Lakhs FREE (additional by NPCI)

Rs 2 Lakhs FREE

Personal Accident Insurance (Death) cover for Army, Police, CRPF, BSF, CISF, ITBP,SSB, AR, NSG etc

With account

Rs 2 Lakhs FREE

Rs 30 Lakhs FREE

Rs 30 Lakhs FREE

With debit card*

Rs 2 Lakhs FREE

Rs 2 Lakhs FREE (by bank), Rs 2 Lakhs FREE (additional by NPCI)

Rs 2 Lakhs FREE

Air Accident Insurance with debit card*

Nil

Rs 5 Lakhs FREE

Rs 50 Lakhs FREE

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.

Joint A/c Facility with spouse

Yes

Yes

Yes

SMS Charges

As per Applicable charges

Free

Free

Free Remittances from the account (DD/NEFT)

2 per month (Max. Rs.25000/- pm)

5 per month (Max. Rs. 50000/- pm)

Unlimited Free.

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 loanbelow 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 7.5 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

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.


*Personal Accident insurance with debit card is subject to terms and conditions of debit card policy/usage and policy of NPCI which may change from time to time..