Best bank to have an account in?

[Pankaj]

and now using which bank.?

 

[Sushubh]

Yes Bank sar! Free sms alerts. Free use on ATMs. Have not seen any absurd charge since I joined. Mobile app is crap though.

 

[Pankaj]

I recently opened an account in ICICI bank with PPF facility. :sweating:

 

[Sushubh]

ah well. it's ok. icici and hdfc are still the most supported banks out there. ever since i opened in yes, icici was a backup account for me and it annoyed me that 60% of all transactions in a year were basically bank charges (sms/dmat/debit). so i just shut it down. hdfc users are usually more happy with their bank compared to icici from what i have read on this forum.

 

[Pankaj]

I have a salary account in HDFC as well But i like the customer service of ICICI bank more compare to HDFC and if i came across any unnecessary charges in ICICI i will shut it down.

 

[Sushubh]

The best bank is where you do not have to visit the bank at all. I had that experience with Standard Chartered for many years. Till the time it because impossible to manage an account there because of their minimum balance requirements

 

[Pankaj]

Escalation process of ICICI bank is just awesome. Recently had a case with them. The branch manager was literally crying cos i raised a complaint to head office..

He was like "Sir Appraisal Mar jayega, Complaint wapas le lo".. Bla Bla..

 

[Sushubh]

had a similar experience when the local branch people kept on delaying issuing me a passbook. once i complained to the head office, i got multiple calls and was delivered the passbook on priority. personally, i would prefer not having to deal with issues in the first place

with yes, local branch people are super helpful. and since they do not have as many customers as bigger banks, after a few visits, they basically start recognizing you even though you are not a corporate customer with big pockets.

basically i love the experience that you would usually get in a small town.

 

[Neo8]

^^^ I still have to use my ICICI account and I know what you mean.

 

[Sushubh]

the account was opened at my first job around 15 years ago. such a disappointment that i shut it down because of poor customer experience.
having a non-company account has its shortcomings.