Urgent ICICI Savings Account Help

Urgent ICICI Savings Account Help

46°
Missing
Deal Newbie
50
78
1

Hello guys few months(8 months) back i applied for Regular Savings A/c(10k minimum balance) in ICICI from their website. I filled up the A/c openings details online & provided PAN, Aadhaar as kyc documents and they fetched my all details from Aadhaar database. I got a temporary savings account no. instantly but not deposited any money. After 3 days of opening account I got a call from ICICI representative for completing my physical KYC. But my home is 30km away from the home branch and the representative refused to come to my home if I don’t do a 50k FD. so I refused and never called back. But today when I’m trying to open newly launched ICICI InstaSave FD account today the system is showing I already have account in ICICI with my mobile number then I provided my mother’s mobile number and account opened instantly. Now when I sms IBAL to 5676766 from my own mobile no. a message comes that “A/c xxxxxxxx3665 balance 0.00 & FD linked bal 0.00.” Now as my old account is 8 months old without any balance will they charge minimum balance charges in my old A/c although I have not completed my kyc never got any card or cheque book. But now my newly opened InstaSave FD A/c as I have provided the same PAN, Aadhaar as kyc documents. Will they track my both account through PAN, Aadhaar? And charge me minimum balance charges in my new InstaSave ac if I deposit any money? Please help.
BTW old account have different branch and new account have different branch.

6 Comments  |  
4 Dimers
Missing
Deal Captain
79
7800
41

Depends on whether they opened 0 balance account or minimum balance requirement one.

Second point, one can’t force for fd. Once a branch told me this. I took it to Twitter and next day, same branch manager was on conference with me

Missing
Deal Subedar
128
2630
45

Visit your nearest branch when you get time and close your old account.

ICICI cannot deduct charges from your new account for your old account.

Afaik : 1) Account balance cannot be negative as per recent RBI guidelines.
2) A person can open upto 3 accounts in ICICI

Missing
Deal Newbie
50
78
1
micke wrote:

Visit your nearest branch when you get time and close your old account.

ICICI cannot deduct charges from your new account for your old account.

Afaik : 1) Account balance cannot be negative as per recent RBI guidelines.
2) A person can open upto 3 accounts in ICICI

How I close my old account as I never done any physical KYC haven’t received any debit card, cheque book. Even I don’t know my old account number.
My question is if I do a 10k FD in my new account. will they track my both account in their system through my PAN,Aadhaar no.?

Missing
Deal Subedar
128
2630
45
Expand
Donald-Trump wrote:

How I close my old account as I never done any physical KYC haven’t received any debit card, cheque book. Even I don’t know my old account number.
My question is if I do a 10k FD in my new account. will they track my both account in their system through my PAN,Aadhaar no.?

You can get information about your previous account (whether it is active/inactive etC) by visiting the branch and through linked mobile number.

10K FD in new account is safe. They cannot deduct charges for one account from another. It is not possible.

I had an ICICI savings account with 10K balance requirement. I withdrew whole amount from my account in March 2019 and made it 0, but account was not closed due to some technical issue. From March to November, account maintenance charges must have been close to 3-4K, but my balance never went below 0 (as it is not possible nowadays). Manager told me that if i load any money in my old account, then system will deduct account maintenance changes. Branch people finally closed my old account in November and i opened a new one afterwards.

Missing
Deal Lieutenant
496
3590
46

Your account is opened but not active. You account won’t be active unless something is funded. So there ll be no mab charges or etc.

Missing
Deal Newbie
50
78
1

Ok thanks guys I will confirm first by calling customer care then deposit my money in new account. As I know private banks are too greedy compared to psu banks. Is there any way to get my old account number & status without visiting branch.
And how to register my account in ICICI iMobile app if my registered mobile number is not in my phone?

Missing