UCO Bank, a major commercial bank in India, is governed by the Indian Government. Once known as United Commercial Bank, UCO Bank was established on January 6, 1943, with a mission to deliver straightforward banking services across India. Based in Kolkata, West Bengal, the bank extends its reach with over 3000 branches nationwide and has international representatives in Singapore and Hong Kong.

Each UCO Bank branch is distinguished by a unique identifier called the IFSC (Indian Financial System Code), necessary for banking transactions alongside the UCO Bank account number.

UCO Bank offers versatile savings accounts to suit varying customer needs, such as zero balance, basic, premium, children, and defense personnel accounts, each with unique features and benefits.

To open a UCO Bank savings account, customers must fill out an application form under the supervision of a bank official and adhere to specified regulations. Alternatively, they can open an account online. Important considerations for opening an account include:

1. No third party is allowed to operate a savings account on behalf of the account holder.
2. Two passport-sized photos are required.
3. The applicant must submit a PAN card and an Aadhaar card with the application.
4. If the account is for a minor, the account can be accessed by the child’s guardian, who must state that any withdrawals will benefit the child.
5. UCO Bank may verify application details through third-party checks.
6. Account holders must maintain a specified minimum balance to avoid penalties.
7. It is vital for account security that sensitive details such as the account number remain confidential.

By adhering to these guidelines and understanding UCO Bank’s offerings, customers can make informed choices and manage their finances effectively using various services like NEFT, RTGS, IMPS, and UPI, also serving NRIs.