ICICI bank worst bank ever ?

[kuchrm]

I have made many post in technofino so far regarding my issue. So now I am telling all the issues in this post.

On 25th March 2025 i submitted all the documents to open regular savings account with 10K monthly average balance. My all verifications including home address, pan , aadhar , signature already done and I also submitted 10K cheque for initial funding.

On 2nd April I got call from that branch and they told me that my application is sent to approval.

After some days I called them on 7th April regarding my account opening status, they told me they didn't got the approval till now.

Why this is happening? Any proper solution for this.

On the same day 7th April 2025 I mailed their customer service, twitter handle and their rederresal portal.

Email IDs to which I have sent my compliant on :-

pno@icicibank.com
headservicequality@icicibank.com
customer.care@icicibank.com
senior.management@icicibank.com


If this didn't work hoping to do CPGRAMS complaint or RBI Ombudsman.

Any suggestions what to do other than this.


Update 1 :- today on 09/04/2025 , their branch manager comes to my home and meet me and after some discussion he agreed to open the account within 2 days. Let's see what happens

 

[hender]

On 2nd April I got call from that branch and they told me that my application is sent to approval.

Email IDs to which I have sent my compliant
pno@icicibank.com
headservicequality@icicibank.com
customer.care@icicibank.com
senior.management@icicibank.com

Approval for account opening or any Loan 🤔, ?
Cheque got cleared ?
First you wrote to PNO ?

 

[kuchrm]

Approval for account opening or any Loan 🤔, ?
Cheque got cleared ?
First you wrote to PNO ?

Approval for savings account
Amount not deducted from my account cheque.
I already did sent to pno but I heard from many people that pno doesn't reply most of cases so that's why I complained on another medium also.

 

[hender]

Have you met, BM/BH ?
Branch manager/ branch head

 

[jmethew765]

Their twitter handle is pretty active. Try that.

 

[SureShot]

Looks like ICICI has put lot of restrictions on account opening recently as there are lot of idle and non usage accounts overall. So they are scrutinising the user profile before account opening itself and getting multiple approvals for the same. This doesn’t apply for salary account openings though. That’s what I heard from the bank representative recently.

 

[kuchrm]

Looks like ICICI has put lot of restrictions on account opening recently as there are lot of idle and non usage accounts overall. So they are scrutinising the user profile before account opening itself and getting multiple approvals for the same. This doesn’t apply for salary account openings though. That’s what I heard from the bank representative recently.

I registered CPGRAMS complaint for this

 

[hender]

Approval for savings account
Amount not deducted from my account cheque.
I already did sent to pno but I heard from many people that pno doesn't reply most of cases so that's why I complained on another medium also.

Looks like ICICI has put lot of restrictions on account opening recently as there are lot of idle and non usage accounts overall. So they are scrutinising the user profile before account opening itself and getting multiple approvals for the same. This doesn’t apply for salary account openings though. That’s what I heard from the bank representative recently.

"Gallentry Awards"
Don't say (ICICI), next quarter onwards Police Verification also required 🤔

 

[Trust Me]

Looks like ICICI has put lot of restrictions on account opening recently as there are lot of idle and non usage accounts overall.

It's partly their own fault. My own SB account with them is lying virtually idle for years because of their stupid, stupid policy of requiring numbers off the grid boxes on the back of their DCs before any transaction can go through on netbanking!

During my recent travel I needed to deposit cheques worth ~10L, -- but couldn't consider the ICICI branch nearby, because it would then be impossible to access the money so deposited (I didn't bring their idle DC with me)! So I had to travel some distance (at some cost) to deposit the cheques in a different bank!

Talk about harebrained policies!
.

 

[Gau₹av]

It's partly their own fault. My own SB account with them is lying virtually idle for years because of their stupid, stupid policy of requiring numbers off the grid boxes on the back of their DCs before any transaction can go through on netbanking!

During my recent travel I needed to deposit cheques worth ~10L, -- but couldn't consider the ICICI branch nearby, because it would then be impossible to access the money so deposited (I didn't bring their idle DC with me)! So I had to travel some distance (at some cost) to deposit the cheques in a different bank!

Talk about harebrained policies!
.

They ask those back grid numbers for certain iMobile txns also or only netbanking?

 

[Bodhi]

It's partly their own fault. My own SB account with them is lying virtually idle for years because of their stupid, stupid policy of requiring numbers off the grid boxes on the back of their DCs before any transaction can go through on netbanking!

During my recent travel I needed to deposit cheques worth ~10L, -- but couldn't consider the ICICI branch nearby, because it would then be impossible to access the money so deposited (I didn't bring their idle DC with me)! So I had to travel some distance (at some cost) to deposit the cheques in a different bank!

Talk about harebrained policies!
.

Just take a pic of the DC.
You don't need to carry it.

 

[anshulmittal]

all banks are same. they are no more customer friendly. all cutting on customer satisfaction

 

[Trust Me]

They ask those back grid numbers for certain iMobile txns also or only netbanking?

Can't say, -- don't use mobile banking.

Just take a pic of the DC.
You don't need to carry it.

You are missing the whole point! -- It's not that carrying a DC is a HUGE issue (as opposed to carrying a piece of paper)!

It's the absolutely irksome inconvenience of having to look for 3 sets of numbers from 3 random boxes for every transaction! Why on earth would I ever want to do that when no other bank is this stupid to require me to go through such nonsense?!

Not just that, -- this genius of a bank even requires me to do this even when all I want is transfer money between my own accounts with them! Brilliant!
.

 

[cardio_guycardio_guy is verified member.]

I love this thread because I am not alone 🤣

 

[Gau₹av]

Can't say, -- don't use mobile banking.

If anyone does find out, let me know. While registering for iMobile it did ask me the back grid numbers.

 

[SSV]

If anyone does find out, let me know. While registering for iMobile it did ask me the back grid numbers.

Yes, it will ask for both net banking and imobile transactions of certain type and for transactions exceeding some predefined amount..

 

[Anshit]

Still better than PNB🤣

 

[FINOKAKA]

There was a bank name united bank of india now pnb.. When i was going to open an account they gave a form there an strange portion you need to sign who had already 5 years relationship in this bank with their ac details & that person needs to gave verbal communication to the branch manager that he she knows you... ha ha ha i literally had said dhosbike bhagg sala i just remembered this after reading this threads

 

[Gau₹av]

Yes, it will ask for both net banking and imobile transactions of certain type and for transactions exceeding some predefined amount..

Then having a photo of the DC on a phone is even more cumbersome while trying to do an iMobile txn! We'll have to switch between iMobile and photo of the DC 🤦🏻‍♂️

 

[SSV]

Then having a photo of the DC on a phone is even more cumbersome while trying to do an iMobile txn! We'll have to switch between iMobile and photo of the DC 🤦🏻‍♂️

As I said it is not for every transaction, it is mainly for high value transactions like > 1 lakh etc..
Every bank has their own security model..
Icici chose this way..
Icici never asks to change netbanking login password periodically like other banks do..
Instead they implemented tighter security at high value transaction level..
Each approach has its own merits and demerits..