The Reserve Bank of India (RBI) has decided to implement ‘Positive Pay’ system to enhance the safety of cheque-based transactions
Largest bank HDFC wants customer to sent details of the cheque issued atleast 24 hours to bank via Email in desired format with an excel attach 
https://www.hdfcbank.com/personal/pay/payment-s...
One should give pink slips to people implementing and approving such old age stuff…. 
Other hand ICICI has implement it within mobile app/net banking itself. (less chances of error and seamless as it can pre populate most of the information)
https://www.icicibank.com/mobile-banking/imobil...
Not the first instance when HDFC felt like a stone age bank
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Imobile is the best app of indian banking
What about cred?
Its for high value cheques only. For high value, always NEFT is better. But you can also close HDFC account and switch to ICICI. Or have both accts and issue high value cheques from ICICI only and trfr funds from HDFC to ICICI using NEFT
Isnt this positive pay optional even for higher amounts?
optional between 50K and 5 Lakh. Mandatory above 5 Lakh
Kotak is even worst, they want us to visit the branch to submit the cheque details everytime.
but kotak’s is optional as per their email.
3. Availing of the facility will be at the discretion of the customer. In case details of manually issued cheques are not provided, existing clearing process will continue without Positive Pay check
Even axis needs physical submission, also optional similar to kotak
Availing of this facility for cheques amounting to INR 50,000 and above is at the discretion of the account holder. It is recommended that the account holders avail the facility for all cheques of INR 5,00,000 and above.
HDFC doesn’t allow disabling Contactless transactions, either. Neither for CC nor for DC.
ICICI bank’s netbanking is clumsy, but feature-rich. It is also prone to unexpected “session expired”.
Yono Lite is good, too.
Contactless transactions have almost zero security risk because not just anybody can setup an entity to process contactless transactions. The procedure to get a payment gateway to process contactless transactions & receive money is very strict with kyc & other requirements so no fraudster try to take advantage of it. It is far easier for fraudsters to open bank accounts based on poor people aadhaar/vote id/ration card & then transfer money to these acc via upi/card details scam & withdraw using atm.
I have both HDFC and ICICI accounts for many years. but even with less features i feel HDFC better than ICICI.
most irritating thing in ICICI that 70-80% time OTP never comes instantly. many time fund transfer OTP comes after 2-3 hours.
Just today morning i was doing fund transfer at 9am morning but OTP is not came yet. Even with so many functionality, for me ICICI is in stoneage.
ICICI is my primary bank for last 21 years. My base branch is New Delhi but int he 21 years, I have stayed in 5 different cities in North, East, North East and West.
Never faced any OTP issue. Of course, I avoid any transaction between 12.20 AM and 5 AM as their servers go under backup/maintenance and OTP takes 2-3 minutes and even Voda (linked mobile) has issues with SMS during this time.
ICICI – shows Average Balance and AMB to be maintained HDFC – NO but they are prompt to deduct charges for AMB shortfall
If NEFT or RTGS txn fails in HDFC, they won’t restore daily limit. Had very big issue once due to this as I could not transfer, HDFC good for offers, notorious tracking-improving now a days..else just junk bank
Exactly , i have both icici and hdfc ..hdfc is still in stoneage (you cant even manage limit of debit card from the app )
Icici mobile app iMobile doesn’t even update their passbook section. What the heck! No matter how many times i refresh it just stays up to an earlier date! Even though many transactions are made after that.
iMobile has the Positive Pay feature since like last 5-6 years or maybe even before.. 
Now RBI has made it mandatory but whenever I had to issue any cheque, I use Positive Pay in the iMobile app…When I made an online account in HDFC more than 3 years ago & the representative came to my home to collect the 25k cheque for the SavingsMax account, I used the Positive Pay feature in front of the HDFC employee & he was like what the hell is this… 
HDFC’s mobile app is like converting the desktop view to mobile view in a mobile browser lolwa…
I dont use Cheque frequently.
But still remember ICICI guy calling me for a verification of cheque amounting to 50K which was issued towards one of the Tata companies.
biggest drawback in hdfc bank is you can’t check a/c balance or last 3 transactions using miss call or sms option. You have to login through netbanking for this. This feature was already there before but don’t know why they have removed this option.
Best banking app is Axis>Icici>Sbi>Hdfc
Axis is the best neat and no fuss. Icici I hate those pop ups telling me to buy insurance . Lets not talk about HDFC koi free ka intern se app code kia hoga 
