New Delhi. If your account is in Bank of Baroda, then the biggest good news of the year 2026 has come for you. The new banking rules implemented by the Reserve Bank of India (RBI) have eliminated almost all the major tensions of BoB customers. The direct objective of these rules is to protect customers from unnecessary penalties and to provide ironclad security to digital transactions. Now crores of account holders of Bank of Baroda will not only get better services, but the banking experience will also be more transparent than before. The tension of minimum balance is over. Under RBI New Rules 2026, now a big relief has been given in the heavy penalty imposed for not maintaining the minimum balance in the savings account. Flexibility: If the balance in your account is less than the minimum amount, then the bank will now directly withdraw money from your account. Will not be able to deduct money. You will be informed first and given adequate time to rectify the balance. Transparency: Bank of Baroda will now provide information about all charges to its customers in a transparent manner, so that customers will not have to fear ‘hidden charges’. Digital banking is now ‘super safe’, fraud will be curbed. Bank of Baroda’s mobile app and internet banking has now been made even stronger with a two-level security system (Two-Factor Authentication). Secure UPI: Customers will now get real-time fraud alerts during digital transactions. Instant refund on failed transactions: If the transaction fails during online payment and the money is deducted, the refund process has been made simpler and faster than before. Card Security: Security standards regarding the use of debit and credit cards have been improved, so that customers in both rural and urban areas will be able to avail online services without any hesitation. Better services: Now banks No need to go. Services like chequebook, debit card and SMS alerts for BoB account holders have now been made completely customer-centric. Work in less time: Most of the account tasks will now be completed sitting at home through mobile banking, which will reduce the rush of visiting the branch. Timely updates: Customers will be informed about every small and big change immediately on their registered mobile number and email. Important tips for BoB account holders to take full advantage of these new rules of RBI. Bank of Baroda has given some tips to the customers to raise the issue: Keep KYC updated: Make sure that your Aadhaar, PAN and mobile number are correctly linked and updated with the bank account. Read the guidelines: Read the official messages and emails sent by the bank carefully so that you do not miss any new charges or service information. Contact Points: In case of any doubt or confusion regarding the charges, immediately contact the nearest branch of Bank of Baroda or toll-free number.