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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) + nonfinancial Per Month |
Unlimited |
Unlimited |
|
Free ATM card access at other ATM |
3 transactions (financial + nonfinancial) 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 5 Lakhs (by Bank), *Rs 10 Lakhs (additional by NPCI for RuPay Select Card) |
#Rs 5 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 5 Lakhs (by Bank), *Rs 10 Lakhs (additional by NPCI for RuPay Select Card) |
#Rs 5 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 5 Lakhs (by Bank), *Rs 10 Lakhs (additional by NPCI for RuPay Select Card) |
#Rs 5 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
|
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RTGS |
As per Applicable charges |
As per Applicable charges |
Free |
|
IMPS |
As per Applicable charges |
Free |
Free |
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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 |
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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 |
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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) |
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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.
# Additional Accident insurance of Rs 5 lakh is with RuPay Select and VISA Signature card and RS.2 lakh with Rupay Platinum holders only.
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