Opened ICICI Family 360 Savings Account Online.

[Batmanbaba]

headservicequality@icicibank.com

Mail on this with your latest cibil report.... And enquiry id in the mail...... It will be removed in 10-15 days... I was able to remove 3 cibil enquiries via this method....

1 day after registering complaint at rbi ombudsman site, i got the call form icici, they will now "investigate"

Aft

After I get my complete CIBIL report I will also follow your suit

 

[Dr.Anand456Dr.Anand456 is verified member.]

cibil dispute closed saying that i gave bank permissiion for this. Why applying for digital savings account is considered as permission for personal loan? filed a complaint with rbi ombudsman

Same thing happened to me when i applied for saving account 4 years ago. A cibil hit for personal loan inquiry.

 

[Ekavya]

Adding family member to wm family banking is not possible in ICICI. They just advertise it. But it won't work. Tried and left it. Bank staff itself told me, leave it sir.

What ! 🤯

 

[Ekavya]

Update: Called Customer Care Executive two times and they told me that my Titanium Debit Card is Paid (200+gst) not LTF as advertised on their website. Can someone confirm?

 

[asef]

headservicequality@icicibank.com

Mail on this with your latest cibil report.... And enquiry id in the mail...... It will be removed in 10-15 days... I was able to remove 3 cibil enquiries via this method....

Hi, i emailed them about this. After asking for all details, they asked me to wait for 1 month, and now they are saying that this enquiry cannot be removed since my personal loan enquiry was "genuine". They are hoodwinking the customer and making personal loan enquiry in the name of applying for Family 360 savings account.

What recourse is there for this? Do I have to file a complaint with RBI Ombudsman?

Thanks

 

[ag_vishu48]

I was desperate to open an ICICI savings account ( I had no savings account with ICICI but had CCs with 4.5L Limit) . Tried to apply online from iMobile app. Saw that no Initial funding required. Then I saw this:

Hi

By CC limit you mean the total limit or a Limit on a single credit card ?

also, did you open an account via mobile app or internet Banking?

 

[Batmanbaba]

Hi, i emailed them about this. After asking for all details, they asked me to wait for 1 month, and now they are saying that this enquiry cannot be removed since my personal loan enquiry was "genuine". They are hoodwinking the customer and making personal loan enquiry in the name of applying for Family 360 savings account.

What recourse is there for this? Do I have to file a complaint with RBI Ombudsman?

Thanks

Yes you should complain to rbi ombudsman

 

[Ekavya]

Hi

By CC limit you mean the total limit or a Limit on a single credit card ?

also, did you open an account via mobile app or internet Banking?

1.In Total Limit. My all 6 cards have same limit.
2. I opened it via iMobile app. (I tried to the same for my brother. But I got this reply " Contact Branch". So it's not available for everyone). Try your luck

 

[Ekavya]

Adding family member to wm family banking is not possible in ICICI. They just advertise it. But it won't work. Tried and left it. Bank staff itself told me, leave it sir.

Have you seen the new update? I saw the option to add family members!

 

[lovecards]

Have you seen the new update? I saw the option to add family members!

Yes available in new update

 

[KGF]

There is no option to open online. They are telling me to contact branch. Branch guy called me and said 1L funding for normal privileged account and nothing less is available. 1L is also the minimum for Family 360 and 5L for Wealth apparently.

 

[kjs]

I have an ICICI account which I opened when I took a Home loan , the executive forced me for 50k MAB account . Some how I denied and converted this to a salary account (which I used only for 2 months) but now there is no salary credit and it still shows 0 balance on iMobile app
Note :
- now the loan is transferred to another PSU bank.
- I have 2 ICICI CC consolidated limit 10L

Now , should i close this account before they start charging anything , as it still shows salary in their system but I just used it for 2 months in 2022.

Also personally I don't like below things (after my experience with 4 different branches around pin code 395009)
- Very rude employees in my banking experience of 15 yrs even worse than PSU
- Behavior towards middle class towards middle class people , making them wait and wait for small queries and always forcing for investments.
- They were not ready to agree when I showed them on their website that with 0 balance salary accounts 5 companion family accounts can be opened with 0 balance , I got irritated and changed by salary account back to HDFC.
- Passing on wrong information , when I transferred loan total expense was 40k , but ICICI branch emp told me it would cost 1L so don't transfer loan. The same branch told me minimum balance in any ICICI account is at least 50K
I know their mobile app is one of the best in the industry but if customers don't get basic respect or even basic services then it looks no point in staying with them.

I am planning to open an account with SBI as I dont have any PSU account , let me know if any better - Priority is decent app so branch visit is not reqd.

 

[cardio_guycardio_guy is verified member.]

Now , should i close this account before they start charging anything , as it still shows salary in their system but I just used it for 2 months in 2022.

As per their official condition, if there is no salary credit for continuous 3 months, they will convert it to normal savings account, and we need to maintain MAB etc. But like how many have experienced this with ICICI and HDFC, if you don't poke them, they mostly won't disturb you. It will remain as is. But to be safe, if you want, for mental peace, close it. So that you don't have to keep worrying about it.
Many people have been holding salary accounts without salary credit for many years. It all depends on how their system and software treats your account and relationship. (It is just luck)

Also personally I don't like below things

100% agree, This is not just true for your pin code, all across India, it is the same. 🙂
Rude employees, bad behavior, doesn't know anything, always passing wrong info.
Again it depends on luck if we get one good staff among 100 bad staffs.

 

[hender]

I have an ICICI account which I opened when I took a Home loan , the executive forced me for 50k MAB account . Some how I denied and converted this to a salary account (which I used only for 2 months) but now there is no salary credit and it still shows 0 balance on iMobile app
Note :
- now the loan is transferred to another PSU bank.
- I have 2 ICICI CC consolidated limit 10L

Now , should i close this account before they start charging anything , as it still shows salary in their system but I just used it for 2 months in 2022.

Also personally I don't like below things (after my experience with 4 different branches around pin code 395009)
- Very rude employees in my banking experience of 15 yrs even worse than PSU
- Behavior towards middle class towards middle class people , making them wait and wait for small queries and always forcing for investments.
- They were not ready to agree when I showed them on their website that with 0 balance salary accounts 5 companion family accounts can be opened with 0 balance , I got irritated and changed by salary account back to HDFC.
- Passing on wrong information , when I transferred loan total expense was 40k , but ICICI branch emp told me it would cost 1L so don't transfer loan. The same branch told me minimum balance in any ICICI account is at least 50K
I know their mobile app is one of the best in the industry but if customers don't get basic respect or even basic services then it looks no point in staying with them.

I am planning to open an account with SBI as I dont have any PSU account , let me know if any better - Priority is decent app so branch visit is not reqd.

SBI is good in , net banking, mobile banking - maximum requirement supported.

 

[kjs]

As per their official condition, if there is no salary credit for continuous 3 months, they will convert it to normal savings account, and we need to maintain MAB etc. But like how many have experienced this with ICICI and HDFC, if you don't poke them, they mostly won't disturb you. It will remain as is. But to be safe, if you want, for mental peace, close it. So that you don't have to keep worrying about it.
Many people have been holding salary accounts without salary credit for many years. It all depends on how their system and software treats your account and relationship. (It is just luck)


100% agree, This is not just true for your pin code, all across India, it is the same. 🙂
Rude employees, bad behavior, doesn't know anything, always passing wrong info.
Again it depends on luck if we get one good staff among 100 bad staffs.

Yes very much true , mental peace is more important breaking head with CC in case anything goes wrong. I know this CC limit will fill up the gap of not maintaining balance but now the Privilege account doesn't show this CC criteria the new Family 360 Account shows this CC criteria ,something complex and if we show branch ppl they will not agree even from the official website but its ok with their overall behavior I am done with them..

 

[hender]

Yes very much true , mental peace is more important breaking head with CC in case anything goes wrong. I know this CC limit will fill up the gap of not maintaining balance but now the Privilege account doesn't show this CC criteria the new Family 360 Account shows this CC criteria ,something complex and if we show branch ppl they will not agree even from the official website but its ok with their overall behavior I am done with them..

Once we are in discomfort, better to stay away...

 

[kjs]

SBI is good in , net banking, mobile banking - maximum requirement supported.

any other which can be near to SBI in terms of net banking, mobile banking - maximum requirement supported , - just an an option

 

[hender]

any other which can be near to SBI in terms of net banking, mobile banking - maximum requirement supported , - just an an option

In PSU, PNB have many many things , you can do, via net banking or mobile banking. It's among the top 3 PSU bank, moreover giving good results back to back.

 

[kjs]

In PSU, PNB have many many things , you can do, via net banking or mobile banking. It's among the top 3 PSU bank, moreover giving good results back to back.

Pnb slightly far from my place 2-3kms.
below banks within 500m
- SBI
- Union
- Bob
- BOI
also rupay platinum + rewards on cc payments thru debit card will be a plus. sbi i have read in forum very difficult to get rupay platinum.

 

[hender]

Pnb slightly far from my place 2-3kms.
below banks within 500m
- SBI
- Union
- Bob
- BOI
also rupay platinum + rewards on cc payments thru debit card will be a plus. sbi i have read in forum very difficult to get rupay plat

All are good, Union net banking, never experienced, BOB is good - in Top 3

Pnb slightly far from my place 2-3kms.
below banks within 500m
- SBI
- Union
- Bob
- BOI
also rupay platinum + rewards on cc payments thru debit card will be a plus. sbi i have read in forum very difficult to get rupay platinum.

BOI- can give you Rupay Platinum easily , AMC+ GST is 295

How do you use, what would be the rewards etc... Can't say much...you have to check ✔️.