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 Neither do I get interest of ₹ 1 of the year from the bank nor do I get any special facilities from the bank, nor do I get any hard work done by a banking officer by doing self-banking. No  Bank has given me a loan And have not given any debit card, also given the charge of check book, When I do not benefit much from the bank, you charge me so much hidden charge with hidden penalty. Why do you fool the public and change your name from a savings account to a penalty account? And ask the bank to charge the bill, then the bank would have caught the entire A2Z catalog and schedule charge.