HDFC Bank Limited made online transactions through RTGS and NEFT free of cost from with an aim to promote a digital economy. For a customer can avail one chequebook of 25 leaves free, only once in a year. If a cheque is returned due to insufficient funds, each such cheque will attract a penalty of Rs 500. In cases where cheques deposited are returned unpaid, the charge has been raised to Rs 200 per instance.