ICICI Regular Savings Account - Question
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Hi Guys,
I want to open a regular saving account 10k min balance online.
1. Can anyone suggest what is the exact name of this account? There are multiple listed online with confusing names.
2. How long does it take to get it opened?
3. Does anyone visit home for verification?
4. How much time does it take to receive new kit at home?
5. Any risk?
Thanks
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Icici regular savings account.
https://www.icicibank.com/Personal-Banking/acco...
One agent ll come to your home to open account and ll give you account kit.
Becarefull agent ll force you to take higher varient of savings account and ll try to sell expression debit card.. just deny everything.
When i Click apply now on the link, it takes me to Insta Save Account. It comes with Platinum Visa Debit Card.
Is that correct?
@rogerthat anything to add?
Insta save acc is same as regular savings acc,only difference being you can apply only online for this insta acc. I still suggest to visit the nearby icici branch,it is always recommended to take a look at the branch in which you are opening an account.
I would have done that but these days I don’t find many reasons to go to branch. I haven’t visited my hdfc branch in last 5 years even once. Everything can be done either online or via non-home branch.
Additionally, Monday to Friday I’m at office during Bank hours. Only Saturday is free.
Other than this, are there any risk involved applying online?
Dont open online account. Just visit icici bank and ask then I just do the same they give me a offer that if i open a account by giving 50k cheque then it will be zero balance saving account for lifetime
So did you give 50k cheque and did they actually made it zero balance? I think this a trick they employ to get higher seed money. Eventually they make it 10k min balance only.
1.Regular Savings Account,
2.Account along with internet banking and phone banking will be ready within 2 working days,
3.Better go to branch and open as it will be faster this way,
4.Everything ICICI sends via Bluedart courier will reach you within 2 days (if you are residing in metro cities),
5. No risks, Flexible and Hassle Free.
Some branch agents will act over smart and insist that they will fill your application and tick all nonsense options. Do not take Expressions card. Coral card (499+gst) will be advantageous if you watch movies at least once in a month.
@raj7254
@ayushh03
Do you know what all documents they ask, in Xerox and in Original?
Actually, I need this account for salary transfer. The ICICI guy had come to my office today and he wanted to scan the original aadhaar for account opening even though last week he had confirmed a Xerox of aadhaar and pan is sufficient. Don’t know what changed in a week that now he wants scanned soft copy and refused the Xerox I was carrying. I find something fishy. He would have opened zero balance salary account.
Since i don’t want any other benefits of a salary account, I’m okay opening a regular savings.
Always visit branch to open an account as you can talk to a person and get customized offers etc. but you cannot talk/negotiate with a machine.
I was trying to get yes first credit card before the devaluation few years back when it was actually good. i visited branch and they asked to open a Yes first account with 5L initial funding first, but when i denied they came down to 1L initial funding since it was EOM and they had to fulfill some quota.
In the end, i didn’t end up opening the account as it was not beneficial much just to get a credit card, although i did get the CC later but that’s a topic for another discussion.
so always visit bank , negotiate with people or talk to BM. you will get a better deal and get it processed much faster than applying online.
ekyc/fingerprint verification is mandatorily required only for those acc which are 100% online(dbs digibank,kotak 811,axis asap). Ask them if they accept scanned copy of aadhaar printout with masked number. https://www.uidai.gov.in/283-faqs/aadhaar-onlin...
Asked, they only need scanned copy of aadhaar and pan. I carried Xerox of both but they refused. They won’t take masked either. Their primary interest is not in address verification, it is in the aadhaar number.
Don’t do it then,visit the branch & give some other address proof(even masked aadhaar is accepted as address proof). Aadhaar is only needed if you don’t have any other address proof for that city in which you are opening the acc or in this case if you are opening an acc via online application without visiting the branch.
They are adamant on aadhaar, they don’t want any other document, not even masked aadhaar. I’m ready to give voter but they don’t want that
Bhai zero balance account open karalo RBL bank me with unlimited ATM withdrawal icici me hi a/c open karana hai to fir baat alag hai…
Kahan hai ye,on RBL site it clearly mentions that digital savings acc balance maintenance charges waived off on doing a sip or RD of min 2000 aur basic savings acc toh wahi jan dhan waala hai like other banks & also useless for a typical person. Btw I found this on RBL site 
for salary acct, always visit the branch and inform that you want to open for salary acct. All salary accounts of ICICI are zero balance account.
i also hold this same account… actually it is Silver saving account, which requires 25k AMB normally but they offer ZERO AMB (no hidden charges) if opened 50k deposit.. they provide debit card with unlimited FREE ATM transactions and 1 lakh daily withdrawal limit… higher bank transactions limit… higher chances of getting a credit card… this is the best deal a bank customer can get..
actually i also applied online like u “cocay” for regular saving account and then visited the branch, but the local executive told me to deposit 50k so i had an argument with him, then branch manager intervened and manager actually explained the deal.. u may withdraw 50k on the same day.. account gets activated instantly.. it is far better than regular saving account..
Do you get coral debit card free with this account???
@pbcmehul not coral, they provided me expressions debit card… but it was not free Rs 499 plus taxes.. later i came to know that coral debit card is better than expressions….
Which account variant did they opened for you ?
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1. Regular Savings Account
3. It only happens if you open acc online & specifically choose this option,I suggest to visit the branch anyway.
5. Same risk as any other scheduled commercial bank aka no risk.