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Icici zero balance account?
- Thread starter kuchrm
- Start date
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- account icici zero balance
Thanks for updating, Commitment is verbal or on Mail 📬?
Arnal07
TF Premier
on verbal.As per as I know the account variant I mentioned is a zero balance account with benefits like HNI banking ac variant(0 debit card charges,0 sms charges etc).The problem is ICICI branch employees demand big initial funding.If you offer anything below 50k as initial funding, they will simply deny opening your account.
kuchrm
TF Select
Yes today I went there branch they asked atleast 1 L funding. Instead I opened my account in HDFC and Axis.
Have you got any 0mab with HDFC or Axis ?
kuchrm
TF Select
HDFC QAB 2500 and Axis 2500 MAB.
In ru ral ?
kuchrm
TF Select
Branch is in rural but I am living in urban area.
Ask them to open 1 rural nearby here too😁😉🥳
kuchrm
TF Select
You can open account in any branch of your city and after 1 month of opening account you can transfer your branch online in any branch which is in your city only.
Better open online n select rural branch near u while opening ac
CarbonLogic
TF Buzz
Help me understand this as I was also planning to open a basic savings account in ICICI for potentially getting pre-approved CC offers and also to get higher chance of Apay ICICI approval.
1. Can you not open a savings account that requires 10k MAB?
2. Is it necessary to do the 1L initial funding?
3. After the 1L initial funding does the account MAB requirement become 0?
4. Once account is opened can I immediately withdraw the entire amount if the MAB is 0?
Thanks
1. Can you not open a savings account that requires 10k MAB?
2. Is it necessary to do the 1L initial funding?
3. After the 1L initial funding does the account MAB requirement become 0?
4. Once account is opened can I immediately withdraw the entire amount if the MAB is 0?
Thanks
kuchrm
TF Select
They say it's mandatory to do 1L initial funding and account will become 0 MAB and can withdraw anytime. And if you want to open BSBDA they generally deny it because they don't get any benefit from that account so in this case you can take RBI help is their complaint portal if the bank deny to open that account.
I hope this helps
CarbonLogic
TF Buzz
Is it permanently 0MAB? How long have you had the 0MAB account for?
I vaguely remember reading somewhere that the account becoming 0 MAB on 1L funding is temporary for about 3~6months after that you have to maintain some MAB.
The "10k MAB account" and "0 MAB account on 1L funding" should be separate types of accounts right? They shouldnt refuse the 10k MAB account option. I wonder if you can mail a complaint to the PNO?
kuchrm
TF Select
They say regular savings not opening you can open this account(they didn't tell me variant name) with 1L funding with cheque only and it becomes MAB becomes 0 but they said I have to do 30-40k transaction every month. I visited two branches and they said the same thing and doesn't clearify. I think you should open account in another bank.
Tell me your requirement and I will try to suggest you some good accounts.
No now not possible to open account online
kuchrm
TF Select
Yes only offline available
In icici bank you can open BSBDA account but you have to fight for that, need of patience with you, and strong with your decision if okay then you can open bsbda zero balance account in icici bank.
1. With your PAN other banks BSBDA account doesn't exists then proceed.
2. With icici bank no past or currently account any wallets / savings, FD's, etc.
3. You have to go to icici branch for account Opening
4. Directly contacted to DBM or BM for BSBDA Savings account.
If you happy with my resolution please mark my thread as a solution
1. With your PAN other banks BSBDA account doesn't exists then proceed.
2. With icici bank no past or currently account any wallets / savings, FD's, etc.
3. You have to go to icici branch for account Opening
4. Directly contacted to DBM or BM for BSBDA Savings account.
If you happy with my resolution please mark my thread as a solution
It is permanent 0 mab. Ac variant is different from regular 10k mab ac. I hv already confirmed. Bt it is discontinued now.
I
2nd option take FD based platinum card on 50k fd n after 2-3 month apply for apay card from Amazon. U will get approval as u r already having a card den close platinum card n FD. Ur problem solved. Its sure shot.
IF u want an ac for pre approved card offer den u cn open any ac n close it after u get pre approved offer. In dis case u may or may nt get offer.
2nd option take FD based platinum card on 50k fd n after 2-3 month apply for apay card from Amazon. U will get approval as u r already having a card den close platinum card n FD. Ur problem solved. Its sure shot.
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