Five important features of the PM Jan Dhan Yojna

1. Under the scheme, account holders will be provided zero-balance bank account with RuPay debit card, in addition to accidental insurance cover of Rs 1 lakh.

2. Those who open accounts by January 26, 2015 over and above the the Rs 1 lakh accident, they will be given life insurance cover of Rs 30,000.

3. Six months of opening of the bank account, holders can avail Rs 5,000 loan from the bank.

4. With the introduction of new technology introduced by National Payments Corporation of India (NPCI), a person can transfer funds, check balance through a normal phone which was earlier limited only to smart phones so far.

5. Mobile banking for the poor would be available through National Unified USSD Platform (NUUP) for which all banks and mobile companies have come together.

First time in Indian Banking History ICICI Bank announces the launch of EMI (Equated Monthly Installments) for its debit card customers. This will enable customers to convert their high value transactions into easy installments. With upcomming Festival season bank has taken this inative to get hold credit market/This facility allows ICICI Bank Debit Card customers who have a linked fixed deposit with their bank account to convert their high value transactions into easy installments.
Here are some of broader Features:
    No processing fee.
    Tenure option of 3, 6 ,9 and 12 months.
    Low interest rate of 13%(on reducing basis) for 3, 6, 9 and 12 month tenures.
    Currently facility available for all ICICI Bank Savings and select Current account category customers having a linked fixed deposit other than tax saver fixed deposits and PPF.
    EMI facility is applicable on all transactions above Rs.10,000 at participating stores.
    EMI conversion without the hassles of any paperwork.
    Exclusive tie up with Samsung in 9000 stores pan India (Smart phones, Tablets, Televisions, Refrigerators, Air – Conditioners, Microwave etc).
    Leverage your existing fixed deposits to convert big ticket purchases to easily manageable installments.
    Earn up to 6 PAYBACK points on transactions.
    Coming soon: EMI on Call, EMI facility at other partners across categories.
Process to avail of EMI facility:
    Customer does a transaction at participating partner stores and selects the tenure of EMI.
    Customer pays by ICICI Bank Debit Card and inputs the ATM PIN at specified terminals in the store.
    Transaction is authorized and conversion to EMI happens post successful validation of parameters.
    EMI conversion and reversal of amount in the account happens within 2 business working days after the transaction date.
    First installment will be deducted 30 days from reversal of the money in the account.
    Account statement will display the transaction with appropriate narration.

Now Bank of India has changed its miss call balance enquiry number Customer can get account balance from saving account using miss call.Customer can give miss call on 09015135135  from their registered mobile number.Disconnect the call after rings . Savings account balance will be sent to registered mobile only

Earlier BOI has 02233598548 as miss call number for balance enquiry