When drafting a letter to the bank regarding non-maintenance of the minimum balance, it's essential to maintain a polite and clear tone. Clearly state your name, account details, and the reason for not being able to maintain the minimum balance. Request the bank to change your account scheme to avoid penalties.

Table of Contents:

Letter to Bank Manager for Not Maintaining Minimum Balance

The Manager,
___________ (Bank Name),
___________ (Address)

Date: __/__/____ (Date)

Subject: Non-Maintenance of minimum balance

Respected Sir/ Madam,

With utmost courtesy, I would like to state that my name is ________ (Name) and I am holding a ________ (Savings/ Current) account in your branch having account number _________ (Account Number).

Respected, the scheme I opted for, has a minimum balance limit of __________ (Minimum Balance – Amount) and due to the reason __________ (Job loss/ unavailability of funds – Mention Reason) I am unable to maintain the minimum balance in my bank account.

Therefore, I request you to kindly change my account scheme to another scheme with the minimum balance required of _____ (Amount) so that I will not have to bear the penalty levied upon me for not maintaining the minimum balance.

Thanking You,

__________ (Signature)
__________ (Name),
__________ (Contact Number)

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  • What should I include in the letter to request a change in account scheme due to non-maintenance of the minimum balance?
    • You should clearly state your name, account details, the reason for not maintaining the minimum balance, and request the bank to change your account scheme to avoid penalties.
  • Is it necessary to provide a reason for not maintaining the minimum balance?
    • Providing a reason for not maintaining the minimum balance can help the bank understand your situation better and may increase the likelihood of your request being accommodated.
  • How long does it typically take for the bank to process a request for changing the account scheme?
    • The processing time may vary depending on the bank's procedures. It's advisable to follow up with the bank if you do not receive a response within a reasonable timeframe, usually within a week or two.
  • Can I request a waiver of penalties incurred due to non-maintenance of the minimum balance?
    • While it's possible to request a waiver, the bank's decision to grant it depends on various factors such as your account history and the reason for non-maintenance. It's best to discuss this with the bank directly.
  • Will changing my account scheme affect my existing banking services or features?
    • Changing your account scheme may impact certain banking services or features associated with your current account. It's advisable to inquire about any potential changes or implications when requesting the switch.

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