The worst services are provided by ICICI Bank and other private Banks. They are just interested in opening of new Bank accounts, and charging customers for unreasonable things. As Puneet also mentioned the charges are no-where provided, but at the opening of the account, they get terms and conditions signed which includes very wide terms. Which cannot be challenged later.
– The issue of Credit -Cards have already been issued before. Last year, I also received ICICI Add-On Card without any demand being made.
– Charge double for a Demand Draft. ICICI Bank charges Rs 55/- minimum. While nationalized banks charge around Rs 20-30 only.
– Charge Rs 220/- for a bounce cheque, while a nationalized bank will charge you Rs 100/-
– Graduates are appointed as agents, and employees on contract basis, who doesn’t even know ABC of Banking. While nationalized banks appoint probationary officers through proper tests.
– These young employees don’t know, what are the formalities required, which causes lot of inconviniece to cutomers. Last week, for simple formality, I have to visit ICICI Bank Branch thrice. One employee says one thing , other gives a different version.
– I demanded one cheque book and ICICI Bank issued two and charged for both.
– Moreover, ICICI Bank charges for closing of account. Rs 500 are charged, if you close Current account and also for savings account. No Nationalized bank charges for closing of account.
– Paid for rechage of Hutch card on ICICIBank.com, but they did not re-charge but I recharged in time from market, otherwise would have lost the balance of Rs 1,000.
– They have just call center for complaints, who are trained in giving excuses. And everytime give the same reply, whatever you ask them.
– Moreover, ICICI bank Call center never provide Phone number of Branches ???
– Private Bank Depositories are still charging yearly maintainence charges but according to the SEBI guidelines, no Depository can charge any shareholder… any charges in the name of maintainence.
It’s really high time, that we stop using services of Private Banks like ICICI Bank and shift to nationalized Bank. When the services provided by Nationalized Banks are equally good !!!