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A Savings Bank Account is primarily designed to encourage saving habits among individuals while providing safety and liquidity of funds. It is generally opened by salaried persons, students, pensioners, and small traders. One of its main features is that it offers interest on the balance maintained in the account, which is usually calculated on a daily balance basis and credited periodically. The rate of interest is decided by the bank as per regulatory guidelines. A savings account requires a ______ _________ ________ _________ ___ __________ ______ ______.
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