Permitted Usage

• Yes, you can use a salary account for personal expenses and daily transactions.
• It functions like a regular savings account once salary is credited.
• Funds can be used for shopping, utility bills, travel, dining, and other payments.
• Banks impose no restrictions on personal usage of credited salary.
• UPI, debit card, cheques, and internet banking can be freely used.

Transaction Flexibility

• The account allows online transfers, ATM withdrawals, POS payments, and more.
• Bill payments, mobile recharges, and insurance premiums can be done easily.
• It supports standing instructions, auto-debits, and EMI payments.
• You can add the account to digital wallets and payment apps.
• Usage is monitored only for suspicious or non-compliant activity.

Spending Limits and Alerts

• Transaction limits may vary depending on the bank and account type.
• Daily limits exist for ATM withdrawals, online transfers, and POS swipes.
• SMS and email alerts are sent for each transaction for security.
• Large or unusual spends may trigger additional authentication.
• Limits can be adjusted on request or through online settings.

Bank Benefits Continue

• You continue to enjoy benefits like zero balance, free services, and overdraft.
• These remain active as long as salary credits are regular.
• Some benefits may reduce if salary is not received for 2–3 months.
• Personal spending doesn’t affect these features unless terms are violated.
• Keep track of promotional limits offered under the salary account plan.

Responsible Usage

• Regular usage keeps the account active and helps in maintaining financial records.
• Excessive withdrawal beyond balance may lead to overdraft charges.
• Avoid using salary account for business or third-party transactions.
• Personal budgeting can be effectively managed using salary account tools.
• Always monitor balances and review statements to track expenses.