What bank accounts do you have ?

292°
Deal Cadet
jerryn70

Comment out your Savings Bank Accounts and rate their service. Don’t forget to mention your state/city . Hope this will help people who are going to open new bank accounts.

Ratings

Very Good ⭐⭐⭐⭐⭐
Good ⭐⭐⭐⭐
Average ⭐⭐⭐
Below Average ⭐⭐
Poor ⭐

Starting with my details

Federal bank – Very Good
ICICI – Very Good
Kotak – Poor
South indian bank – Poor (stopped using )
IDBI – Poor ( stopped using)

STATE : KERALA

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Deal Subedar Deal Subedar
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HDFC 🌟🌟🌟🌟🌟 Preferred account
ICICI 🌟🌟🌟🌟🌟 Titanium Privilege account
AXIS. 🌟🌟🌟😭😭 Prime account
KOTAK🌟🌟🌟😭😭 811 🤣
INDUSIND 🌟🌟🌟🌟😭 Online zero balance
IDFC FIRST 🌟🌟🌟🌟😭 10k mab account
SBI. 🌟🌟🌟😭😭

State- West bengal.

Analyst Analyst
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ICICI – Very Good ⭐⭐⭐⭐⭐

Deal Cadet Deal Cadet
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ICICI Saving bank account ,Gurgaon—-5/5
SBI saving account , Saharanpur (U.P)—-3/5
Central bank of india,chandigarh(Punjab)—-3/5
Kotak 811 account—-4/5
Punjab National bank, Saharanpur (U.P)—-3/5

Blogger Blogger
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Canara
Sbi
Bob
Hdfc
Axis

All 5 stars

Critic Critic
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rohit_agarwal wrote:

HDFC 🌟🌟🌟🌟🌟 Preferred account
ICICI 🌟🌟🌟🌟🌟 Titanium Privilege account
AXIS. 🌟🌟🌟😭😭 Prime account
KOTAK🌟🌟🌟😭😭 811 🤣
INDUSIND 🌟🌟🌟🌟😭 Online zero balance
IDFC FIRST 🌟🌟🌟🌟😭 10k mab account
SBI. 🌟🌟🌟😭😭

State- West bengal.

Debit card charges for Indusind zero balance?

Deal Cadet Deal Cadet
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rogerthat wrote:

Canara
Sbi
Bob
Hdfc
Axis

All 5 stars

So you’re Canara bank employee!! smile

Flame Flame
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Offtopic, My Kotak 811 account validity is ending soon and I don’t want to Full KYC it. Should I be worried or any problem that I may face in future with Kotak? TIA.

Deal Subedar Deal Subedar
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Helium wrote:

Offtopic, My Kotak 811 account validity is ending soon and I don’t want to Full KYC it. Should I be worried or any problem that I may face in future with Kotak? TIA.

Your account will be freeze…. All money will freeze….

Better to do full KYC or close account ASAP.

Deal Subedar Deal Subedar
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Hdfc 5*
Sbi 2*
Allahabad bank 3*

Flame Flame
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rohit_agarwal wrote:

Your account will be freeze…. All money will freeze….

Better to do full KYC or close account ASAP.

I don’t have any money in the account. Account closure requires me to visit the branch iirc. But my ques is is it necessary to close the account, I mean it will freeze automatically after the validity? Any issues if I don’t close the account. Thanks

Pro Critic Pro Critic
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HDFC, ICICI or KOTAK and SBI as well.

These are solid banks and provide very good service (except SBI). Probably not the cheapest but considering the current scenario, I would want to be with strong banks.

Community Angel Community Angel
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Roushh wrote:

HDFC, ICICI or KOTAK and SBI as well.

These are solid banks and provide very good service (except SBI). Probably not the cheapest but considering the current scenario, I would want to be with strong banks.

Welcome back.

Pro Critic Pro Critic
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_One_Miller_ wrote:

Welcome back.

Just busy with life and work. But I always check DD once in a while. wink

Deal Subedar Deal Subedar
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Helium wrote:

I don’t have any money in the account. Account closure requires me to visit the branch iirc. But my ques is is it necessary to close the account, I mean it will freeze automatically after the validity? Any issues if I don’t close the account. Thanks

No problem from kotak….

But as per Aadhaar T&C you can’t open any other aadhar OTP based online account before closing it

Flame Flame
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rohit_agarwal wrote:

No problem from kotak….

But as per Aadhaar T&C you can’t open any other aadhar OTP based online account before closing it

Thanks bro

Deal Cadet Deal Cadet
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Helium wrote:

Offtopic, My Kotak 811 account validity is ending soon and I don’t want to Full KYC it. Should I be worried or any problem that I may face in future with Kotak? TIA.

If you don’t like to keep money in your 811 account then I have few suggestions for you, Do full kyc and don’t apply for debit card .) If you apply debit card you have to pay 199+gst every yr). Do atlest 1 transaction every 6 month . Example add some money and recharge you phone using virtual debit card details . So that your account will remain active and no money is kept in that account .
If full kyc is not done, your account will be freezed. And you cannot open any other bank accounts using aadhar otp method .
If you close this 811 account then you cannot open any zero balance account in kotak .

Deal Subedar Deal Subedar
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Which account variant in ICICI is good ? How is their one titanium or one magnum compared to titanium and gold privileged accounts . I think I have a titanium privileged account in ICICI, but AMB is showing 10k for my account . It is showing privileged logo on netbanking but do not mention whether its titanium or silver privileged account .

Blogger Blogger
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aswaniexpress wrote:

so you are bob employee and your bob cc rejected ??

But later on they sent cc to my address without any further  formalities as I escalated the rejection.

Deal Cadet Deal Cadet
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rohit_agarwal wrote:

No problem from kotak….

But as per Aadhaar T&C you can’t open any other aadhar OTP based online account before closing it

He can open new accounts using aadhar otp if he complete full kyc of this 811 account

Deal Subedar Deal Subedar
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jerryn70 wrote:

He can open new accounts using aadhar otp if he complete full kyc of this 811 account

Yes… Either complete your full KYC or close account.

Deal Subedar Deal Subedar
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ZitOO wrote:

Which account variant in ICICI is good ? How is their one titanium or one magnum compared to titanium and gold privileged accounts . I think I have a titanium privileged account in ICICI, but AMB is showing 10k for my account . It is showing privileged logo on netbanking but do not mention whether its titanium or silver privileged account .

You have basic saving account …10K balance required.
Privilege tag is due to your current AMB.

in ICICI saving account Gold and above is good.
Titanium family is better in my knowledge because it also comes with lounge access

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