Offline account opening experience in icici and axis.... On same day

[Batmanbaba]

I recently posted a Thread

Query regarding Experience of offline account opening in axis and icici bank

A lot of folks here might be having accounts in icici and axis bank…. My query is regarding offline account opening… Especially in rural and semi urban branch 1. For both axis and icici If you are having address of urban area of same city and tried opening account in rural or semi urban...

www.technofino.in

It got a world record response of 4 comments... Today I went for account opening in rural branch of my city in both icici and axis

First I visited Icici bank... My experience there...

I asked for opening of regular savings account.... Which has a MAB of 2000 only... The executive denied that such account even exist... ... He said that minimum account to open account in icici is 50000 deposit and 10000 MAB from april 1 which is not true....

In rural branches mostly non tech savy people go to open account and this is the way these executives are making fool of people.....I have complained regarding my experience on twitter... Lets see what response I get....

I had similar experience in sbi.. Complained on twitter... The branch manager personally called me after the complaint.. Opened my account... And even offered sweets and tea...


Secondly went to axis bank nearby which was also a rural branch....usually axis is more bashed in online space than icici for their services.... But to my surprise... The executive politely listened to my request... I requested for easy access account with 2500 MAB as per rural location....

He quickly started the process... Within 20 minutes... My account was ready to go with welcome kit in my hand.... No question of why trying to open account in rural branch.... Despite Having an address of urban location of same city.........

 

[Batmanbaba]

If possible mention the branch and city name at least, so that other people are aware before they trust these people.

Mine was sbi bank.... In Gorakhpur, Uttar Pradesh

 

[Souvik]

That's bad.

And surprising that so many people from WB are here ... Including myself and founder

Interestingly, we are an inquisitive bunch

 

[prc1990]

Interestingly, we are an inquisitive bunch

Question/inquisitiveness/clarification/elicitation/chasing etc. is in our blood.

বুকে গরম রক্ত
ক্রেডিট কার্ড এর ভক্ত

 

[Souvik]

Question/inquisitiveness/clarification/elicitation/chasing etc. is in our blood.

বুকে গরম রক্ত
ক্রেডিট কার্ড এর ভক্ত

নাই ব্যাংক এর প্রতি বিশ্বাস,

টাকা কিভাবে বাড়ানো যায় সেটা খুঁজে পাবে এটাই আশ্বাস।

 

[Souvik]

Our non-bengali members might feel lost here, but the above two replies are only intended for humor.

The intent of this forum still remains to share and gather knowledge in a common language which is understood by all.

 

[Bob78900]

Today I visited ICICI BANK ( branch name) to open a Regular savings account... I had all the required kyc documents but still I was denied account opening

The above said branch is a rural branch... And according to t&c mentioned on your website.... The MAB... Required for the account is 2000. I was denied by the executive that such account even exist.... And minimum funding to open account is 50000rs..plus MAB that needs to be maintained is 10000.

It was quite a bad experience and wastage of my time.

I went ahead and opened my account in Axis bank nearby and had a very smooth account opening.




This was my tweet

Hahaha thankyou doing this soon with canara bank they never help me in my problems

 

[AllSeeker]

Branches seem to be so different. Many people have various negative opinions about Canara and ICICI. The branches which I have relationships with seem to be just fine. I even have good relations with the managers of my local Canara and ICICI branches.

No, ICICI is generally terrible. I can say that confidently because at the end of MBA almost 40% of our students are picked up by banks. ICICI picks up zero brain but good looking ones who are salesman by nature. HDFC also does the same, but they are far lighter case than ICICI.

 

[KumarS]

Why does it feel that somehow my ICICI branch people are better

Exception to the rule man

 

[Kamal]

I opened a savings max account in hdfc and the person was telling me to give min 50k and when account will open i can withdraw the remaining amount.

For this, I contacted one person from HDFC whom i know personally, he told me that the Bank working person who deposits higher amounts in account opening more than what needed to maintain they will get appreciated from upper management and also gets rewarded.
This is like a sales person selling a product.

 

[AllSeeker]

I opened a savings max account in hdfc and the person was telling me to give min 50k and when account will open i can withdraw the remaining amount.

For this, I contacted one person from HDFC whom i know personally, he told me that the Bank working person who deposits higher amounts in account opening more than what needed to maintain they will get appreciated from upper management and also gets rewarded.
This is like a sales person selling a product.

Exactly, its all about targets and incentives. Only problem is that they lie and scam the regular customers. People like us crosscheck and find other means but imagine poor or uninformed people who have no other options available. They are forced into this.

 

[kishorvr]

Update.--- After complaint on twitter...... The branch manager... Personally called... And opened.... The regular savings account.. 2000 Mab.... 150 rs debit card charges.....


I got to know from the peon.. The manager got scolded very badly by the higher ups........

So yes... Social media escalation works....

In ICICI, social media and customer service escalation works.

 

[Trust Me]

In ICICI, social media and customer service escalation works.

In my experience customer.care@icicibank.com is staffed with retarded people lacking basic comprehension skills. I usually end up having irrelevant responses.

 

[kishorvr]

In my experience customer.care@icicibank.com is staffed by retarded people lacking basic comprehension skills. I usually end up having irrelevant responses.

That is because they have a list of standard responses. They use that. Very rarely they use customized answers.

 

[Trust Me]

That is because they have a list of standard responses. They use that. Very rarely they use customized answers.

Standard responses to specific questions spanning any service issues whatsoever? Really?!!!

What's the point of even having such an address?!

 

[AritraSaha]

Standard responses to specific questions spanning any service issues whatsoever? Really?!!!

What's the point of even having such an address?!

To cut down the stuff cost & by wasting customer to disencourage him to write it again.

 

[kishorvr]

To cut down the stuff cost & by wasting customer to disencourage him to write it again.

Most companies do not like to keep a phone customer service team. They are also preferring chatbots. When answers are not satisfactory, customers have no choice but to visit branches.

 

[Trust Me]

To cut down the stuff cost & by wasting customer to disencourage him to write it again.

I hope the Bank realize that this could potentially discourage the customer from furthering any relationship with them as well!

 

[AritraSaha]

Most companies do not like to keep a phone customer service team. They are also preferring chatbots. When answers are not satisfactory, customers have no choice but to visit branches.

Yeah in icici bank everything can be done online,
Except if you wnat to stop sms alarts.

In upcoming years there will be mass-layoff in call centre job, as most companies will be providing ai powered chat bots.

I recently tried kotak bot is was better then 90% customer care representative.

 

[AritraSaha]

I hope the Bank realize that this could potentially discourage the customer from furthering any relationship with them as well!

Most bank doing in some way. Customer jahi bi to kidhar?

My opinion rbi should allow tata & reliance to open bank.

 

[Trust Me]

My opinion rbi should allow tata & reliance to open bank.

I think the latter already has a payments bank license. I'd much rather have RBI enhance the DICGC coverage substantially up from 5L before they become a full service bank, since I, like most people, have my savings locked up in other banks! .