I have
SBI Account :- My first ever account. I was very excited when it got opened. But, later, all my interests were gone, after I realized what PSU banks are. I suffered heavily due to horrible UPI services. But, it's ATM Card services, Auto Debit facilities are some of the best , in terms of charges, ease of access, etc. So, I use it for that.
UCO Bank :- Opened just because I wanted to get away from SBI Account for day to day basis. I chose this bank because my Mausa ji was the Regional General Manager of the bank. However, they could not give me a Debit Card properly. I tried applying from Mobile Banking, but it could not be activated. I found out that many people are facing the same issue. So, closed it after a while.
PNB Bank :- To avoid UCO Bank. Normally I got funding of around Rs 3-4 lakhs/year from my parents and family members for grocery, and all. So, I would use this extensively for UPI transactions. So much that, frequently, my account would exceed the Credit Limit Quota (max. 4 lakh could be credited to my PNB Account, which would get exhausted quickly). One needs to visit the circle officer to enhance this limit .Sometimes, I would not even get the money credited to or debited from my account. So, I had to close it.
======================== I was a student until then ====================================================
ICICI Account :- My First Private Bank account. It's also my salary account. Until this point, I was very very afraid of Private Banks because of their charges. But, I had to open this account, because my previous company had business with this bank. But, once my account with ICICI was opened, I felt like a business man, even though I was getting chutta salary at that time. The services were excellent. No need to fill up forms, branch executives were very helpful. They would not pester me to make investments or create FD (only Private Bank in my experience), despite having very heavy transactions. Got pre-approved ICICI Amazonpay Credit Card. However, soon, I realised that I need another saving account to manage my expenses well. I cant use salary account to make regular transactions.
BOB Account :- One of the best PSU banks. Although the Net Banking is not very user-friendly, and both Net banking and M-Banking faces multiple downtimes, I have never had a problem with UPI transactions. However , I still had to visit the bank for minor changes, so I reduced my usage after a few months. I didn't close this account, as it was 0 MAB
HDFC Bank :- Horrible M-Banking experience, but excellent Internet banking and UPI experience. This is my primary account. I started with Savings Max (25k MAB), but now, it's Classic. (1 Lakh). The first official pre-approved card, I got, was from HDFC Bank. However, since the branch manager, and most of the branch employees are very well known to my Uncle, they kept pesturing me to open FD or make investments. I have done several FDs and Investments, but because of this insane disturbance from branch employees, I decided not use do it with HDFC. But, the bank services are good for me. Of course, they don't help you when you require it (Credit Card, Limit Enhancement etc.).
Axis Bank :- Got bored with ICICI, so when I switch job, I wanted to switch bank as well. However, I found that it is THE WORST PRIVATE BANK IN THE COUNTRY. The only good things are credit cards (no pre-approved, applied online), and Nodal/Principle Nodal Officer. Rest of the stuff is useless starting from customer care, branch employees, etc. Also, it's salary account is one of the worst, with charges everywhere. So, will close the account soon (by the end of the year 2022). My lost love for ICICI bank was re-ignited because of Axis.
IDFC First Bank:- Had opened an account, due to high Savings account interest rate and no home branch concept. However, the services are pathetic. Although it's better than Axis Bank, but it is still not good. I had multiple problems with this bank. So, I closed the account in 2 months of opening (only because there was no charge for Pre-mature account closure, unlike Axis).
Kotak Mahindra Bank:- This was my first true Private Account, at a time, when it first started zero balance account. I had the 811 variant. However, despite multiple reminders, nobody came to complete KYC , and at that time VKYC was not always done. So, it was auto-closed. However, I had to save an emergency fund somewhere , and I found this bank better than Axis Bank, so I re-opened this, and it was converted to Everyday savings account. It has some bad UPI services, and I cannot generate Internet Banking password yet, but rest all seems good.
Fi Bank:- This was my initial plan to save all my emergency funds, however, not even a year had passed, that I had to complete Re-KYC frequently. If I failed, the account would get frozen and don't know what would happen. So, I closed it out of fear.
SBM Bank :- Got it as a gift after signing in for INdMoney. I don't know, why I have this account.
Airtel Payments Bank :- It got opened accidentally, since I was registering for Airtel Wallet. Since I found no suitable benefits, and at my time, the interest was reduced heavily, and since the Airtel Customer Support was pathetic, I closed it.
PayTM Payments Bank :- Wanted to check this bank. Also, I always get a message that for sending money from PayTM wallet to Bank account, PayTM pays a good money to the receiving bank. So, I thought that by creating a PayTM bank account, I can send the wallet money to PayTM bank for free , since apna admi hai, and then send that money to other accounts through UPI. Guess what, ghanta.. So, I closed it anyhow.
