As per the latest RBI Guidelines, NRO accounts can be opened jointly with residents only on Former or Survivor (F or S) basis. Existing accounts having Either or Survivor (E or S) status are now required to be changed to F or S status. Based on this regulation, Bank is required to convert all NRO accounts with Resident joint holder to F or S status with immediate effect. Customers holding such accounts are requested to contact the branch where the NRO account is maintained and submit an application(click here to download) signed by the NRI and the Resident joint holder to change the status of the NRO account from E or S to F or S, before 01st September 2016. As this is a regulatory requirement, on or after 1st September 2016, the Bank will centrally modify the status of the account to F or S. Thereafter, the account can be operated only by the NRI primary holder.