On 09.09.11, the pass book entry clearly states that minimum balance with cheque facilities is Rs 1,000 for metro centres. We wanted to register a protest with the bank, but the officials refused to accept the letter. I was forced to send the same by speed post on 21.01.12. However, I haven't received any reply. The charges have not been reversed either. Please advise. MADHU PARASRAMKA As per the bank's deposit policy 2012-13, it has specified that savings bank account holders with cheque book facility need to maintain a quarterly average balance in metro/urban/semi urban branches. If the said minimum balance is not maintained then the bank will levy a charge of Rs 100 per quarter plus service tax. While you may have maintained a balance of more than Rs 1,000 on a specific date but what is needed is maintaining the required balance on quarterly average balance basis. Since the bank has not replied for more than 30 days, you can file a complaint with banking ombudsman, provided you have a case as clarified here. (Our expert guides you in matters relating to banking & finance. Email to )