Need Help to choose bank account

pmahesh wrote:

Any idea bro if this is better or should one go with wealth acc which requires 5l IF?

Wealth account is better but only very few branches allows to open account with ₹5 lakhs most of them ask for ₹10 lakhs

timelord wrote:

If it is mini kyc icici won't allow to add funds more than ₹1 lakhs try adding ₹5001 to existing ₹95000 if it allows then full kyc verified

Thanks. I tried this and balance crossed 1L.

P.S :- during account opening I received SMS from ICICI that my mobile number is registered for Bank SMS.. but now in WhatsApp banking/net banking login,it's showing mobile number not registered. Also UPI still not detecting any ICICI account.

smz wrote:

Thanks. I tried this and balance crossed 1L.

P.S :- during account opening I received SMS from ICICI that my mobile number is registered for Bank SMS.. but now in WhatsApp banking/net banking login,it's showing mobile number not registered. Also UPI still not detecting any ICICI account.

Also not got any credit sms now. Added about 5.1 K in 4-5 tranches. @guest_999 @timelord

smz wrote:

So I opened my mother's account (95K initial funding) on Tuesday night and got application as pdf instantly. Then on Wednesday at 11 am did video KYC. now if I check application status,still it's showing option for video KYC.

1) Do we get any confirmation sms/email after video KYC ? If yes, then when

2) how do we check if our account is full/mini Kyc ?

P.S :-

1) logged into net banking working. Balance showing there.

2) imobile still not working. After verification sms sent it asks for creating login pin and then when entered, it keeps on buffering.

@guest_999

Imobile will take some more time to work.

smz wrote:

Also not got any credit sms now. Added about 5.1 K in 4-5 tranches. @guest_999 @timelord

You need to contact icici customer care to confirm your user id has been linked with mobile number as it takes usually a few days after the request.

guest_999 wrote:
You need to contact icici customer care to confirm your user id has been linked with mobile number as it takes usually a few days after the request.

Ok. But in net banking-> personal details -> it's showing last 4 Digits of mobile number correctly. @timelord

smz wrote:
Ok. But in net banking-> personal details -> it's showing last 4 Digits of mobile number correctly. @timelord

From my experience of using their credit cards, icici system is not a single entity where one linkage of mobile number will be applied automatically to all other parts of the system. It is always better to call customer care. Also, if you haven't yet got your userid(aka not login via mobile no.) then also there is good chance that mobile no. not yet linked in all places of the system.

guest_999 wrote:
No, closest you can get is open a regular 10k MAB acc then transfer 1 lakh to it & keep it there for a month & then go to branch & fill acc upgrade form to classic banking. Once acc is upgraded you can use it as zero bal acc as ppl say hdfc rarely downgrades classic banking accs for not maintaining 1 lakh MAB.

(https://www.hdfcbank.com/personal/save/accounts/savings-accounts/regular-savings-accounts/fees-and-charges)
Here, in service charges under "Minimum Average Balance Requirements"
it shows "Metro / Urban branches: AMB Rs.10,000/-, or Fixed Deposit of
Rs 1 Lakh for minimum 1 year 1 day period (w.e.f 1st July’22),". So i
wanted to know if i withdraw my FD after maturity i.e, 1 year 1 day,
then i have to again maintain AMB of 10000 ? or this FD is just a one-time thing which will make the account zero-balance MAB (even after withdrawing FD after 1 year 1 day maturity)

smz wrote:

(https://www.hdfcbank.com/personal/save/accounts/savings-accounts/regular-savings-accounts/fees-and-charges)
Here, in service charges under "Minimum Average Balance Requirements"
it shows "Metro / Urban branches: AMB Rs.10,000/-, or Fixed Deposit of
Rs 1 Lakh for minimum 1 year 1 day period (w.e.f 1st July’22),". So i
wanted to know if i withdraw my FD after maturity i.e, 1 year 1 day,
then i have to again maintain AMB of 10000 ? or this FD is just a one-time thing which will make the account zero-balance MAB (even after withdrawing FD after 1 year 1 day maturity)

No one time condition, if you withdraw fd after 1 year 1 day then you need to maintain 10k mab in savings acc to avoid non-maintenance charges.

smz wrote:

So I opened my mother's account (95K initial funding) on Tuesday night and got application as pdf instantly. Then on Wednesday at 11 am did video KYC. now if I check application status,still it's showing option for video KYC.

1) Do we get any confirmation sms/email after video KYC ? If yes, then when

2) how do we check if our account is full/mini Kyc ?

P.S :-

1) logged into net banking working. Balance showing there.

2) imobile still not working. After verification sms sent it asks for creating login pin and then when entered, it keeps on buffering.

@guest_999

Hi. can you please share your experience of this 95k account?

1) Did you withdraw money immediately after initial funding?

2) Have you received any pre approved cc offers?
 

Akashn9 wrote:
Hi. can you please share your experience of this 95k account?

1) Did you withdraw money immediately after initial funding?

2) Have you received any pre approved cc offers?
 

1) I withdrew money after receiving debit card/cheque book and collecting passbook from branch.

2) no

smz wrote:

So I opened my mother's account (95K initial funding) on Tuesday night and got application as pdf instantly. Then on Wednesday at 11 am did video KYC. now if I check application status,still it's showing option for video KYC.

1) Do we get any confirmation sms/email after video KYC ? If yes, then when

2) how do we check if our account is full/mini Kyc ?

P.S :-

1) logged into net banking working. Balance showing there.

2) imobile still not working. After verification sms sent it asks for creating login pin and then when entered, it keeps on buffering.

@guest_999

Is Debit Card details required to login netbanking?

I did the same, completed vkyc.

iMobile asking debit card details for login

sabbir.t wrote:

Is Debit Card details required to login netbanking?

I did the same, completed vkyc.

iMobile asking debit card details for login

I don't remember now

smz wrote:
I don't remember now

Again trying to open account and now it's showing mini kyc, so trying to complete vkyc again and now it's showing error.

Mail kiya hun icici walon ko, let's see

sabbir.t wrote:

Again trying to open account and now it's showing mini kyc, so trying to complete vkyc again and now it's showing error.

Mail kiya hun icici walon ko, let's see

Wait for some time. Video KYC didn't update instantly for me too. Wait till debit card/cheque book dispatch SMS/email arrives

@smz @guest_999 @sabbir.t I keep getting this error while trying to open the account:

"kindly visit your nearest ICICI Bank branch to open a Savings Account"

Do you have any idea why this is happening?

funky_ace wrote:

@smz @guest_999 @sabbir.t I keep getting this error while trying to open the account:

"kindly visit your nearest ICICI Bank branch to open a Savings Account"

Do you have any idea why this is happening?

If you previously held an ICICI savings account with the same PAN, then you can't open this account. Digital account opening is ONLY for new customers to ICICI.

smz wrote:

If you previously held an ICICI savings account with the same PAN, then you can't open this account. Digital account opening is ONLY for new customers to ICICI.

This is my first time opening an account with ICICI. This error is occuring at different stages of the process. I will contact the customer care tonight. Maybe they will know what to do.

funky_ace wrote:

This is my first time opening an account with ICICI. This error is occuring at different stages of the process. I will contact the customer care tonight. Maybe they will know what to do.

Any update?

smz wrote:

Any update?

I tried the process again and this time the error was different. It said I already have an account with the bank. Maybe the previous owner of this mobile number had an account. I have been using it for about a decade though. Don't like to deal with bank employees and customer care so giving up on this idea.