What Happens to Your Salary Account After Job Change

Changing jobs is an exciting move, but it comes with a checklist—resignations, joining formalities, documentation, and yes, questions about your salary account. If you're wondering what happens to your salary account after you switch jobs, here’s a complete guide to help you understand and make the right decisions.

When you leave a job, your existing salary account doesn’t automatically close. It stays active, but it may no longer be treated as a “salary account” unless your new employer continues to credit your salary into it. This shift affects the features and benefits tied to that account.

If your salary isn’t credited to the account for three consecutive months, most banks convert it into a regular savings account. That means:

• You may need to maintain a monthly average balance (MAB)
• Non-maintenance charges might apply
• Zero balance and exclusive salary benefits could be discontinued

In most cases, banks may inform you before such a change. However, it’s a good practice to monitor your account status regularly.

Many organisations have tie-ups with specific banks to open new salary accounts for their employees. If that happens:

• You’ll have a new salary account by default
• You can continue using your existing AU Salary Account as a personal savings account
• Or you may choose to close the old account once all transactions and auto-debits are updated

If you're satisfied with the services and digital experience of your AU Salary Account, you can request your new employer to credit your salary to the same account. This way, you can:

• Retain zero balance facility
• Avoid the hassle of managing multiple accounts
• Continue enjoying features like AU 0101 App, 24/7 customer service, and more

Here’s a simple checklist to manage your salary account effectively post job switch:

• Check with your new employer if salary can be credited to an existing account
• Update your account details with HR/payroll if you're retaining your AU account
• Move auto-debits and bill payments to your active account if you’re switching
• Monitor account type and balance to avoid unnecessary charges

Switching jobs doesn’t mean you lose access to your salary account. It’s all about how you manage and maintain it. With AU Small Finance Bank, whether your account is salaried or savings, you’ll enjoy a seamless, digital-first banking experience.

Explore AU Salary Account to discover zero balance benefits, smart digital tools, and personalized service.