Savings Account FAQs - ICICI Bank

Cheque book will be processed and will be delivered to your address registered with bank.

Once the cheque book request is placed you will receive it within 9 working days ,however the delivery will be attempted by Courier within 5 working days.

Please track the status of your cheque book deliverable through the below mentioned channels: 

Internet Banking:

Please login to www.icicibank.com with your User ID and Password > Customer service > Service request > Track your deliverable > Track Your Shipment > Enter Courier AWB Number or Enter ICICI Bank Account Number > Submit. 

Click here to track deliverable 

iMobile:

Login to iMobile > Smart keys and services > Check Status > Track deliverable

Customer Care:

You may call our Customer Care between 7:00 a.m. and 9:00 p.m. from your registered mobile number.

To know the local Customer Care numbers, please click here.

Yes, Customer have a choice of selecting local/ multicity cheque however no frill,student ,semi urban and rural account holders will get a local cheque book.

iMobile Pay is ICICI Bank's Mobile Banking application that can be downloaded and activated on your mobile phone. With iMobile Pay you can check your balance, transfer funds, pay utility bills, recharge your mobile phone, DTH connection, broadband, book movie tickets and much more on the go.

Cash transactions (deposits and withdrawals) at the base branch i.e. all branches/ Cash Acceptor Machine in the same city: 
Nil for the first 4 transactions in a month; thereafter ?5 per thousand rupees or part thereof, subject to a minimum of ?150 in the same month (Maximum limit for Self: Any Amount and for third party: ?50,000 per day).

Anywhere Cash withdrawal charges for customer or customer's representative to debit the customer's own savings account at a non-base branch i.e. branch in other city. 
Nil for the first cash withdrawal of a calendar month.
Thereafter in the month, ?5 per thousand rupees or part thereof, subject to a minimum of ?150 (Maximum deposit limit for Self: Any Amount and for third party: ?15,000 per day).

Anywhere Cash deposit charges for customer or customer's representative to credit the customer's own savings account at a non-base branch i.e. branch in other city.
At Branch – ?5 per thousand rupees or part thereof, subject to a minimum of ?150 (Maximum deposit limit for Self: Any Amount and for third party: ?50,000 per day).
At Cash Acceptance Machine - Nil for the first cash deposit of a calendar month; thereafter in the month,?5 per thousand rupees or part thereof, subject to a minimum of ?150.

For more details, please click here

If a transaction is declined at any Non-ICICI Bank ATM or Point of Sale (POS) due to insufficient balance in the account, charges of RS 25 plus 18% Goods and Service Tax (GST) w.e.f. July 1, 2017 will be applicable per transaction.

The charges will reflect in your account statement with narration as 'POSDEC CHRGS'.

The Spend2Earn is a programme where customers can earn a cashback of Rs. 3000 on doing transactions in his/her savings account using defined payment modes, which will be credited in savings account of the customer on fulfilling the eligibility criteria.

Yes, you can use any alternate mode of payment but make sure at least 3 same mode should be active for 6 months.

It will be considered under the cash back offer.

Prepaid and DTH recharge are not considered.

Yes, both modes will be considered active.

No, only Expression Debit Card used for non-cash debit transactions are considered for the cash back offer.

SI set up for credits into savings account within ICICI Bank will not be considered.

Only payment towards any of the below ICICI Bank/ Group Co-Products by debiting the enrolled savings account.

• Loan EMIs and Credit Card payment

Transactions will be considered from T 2 month where T is the month of enrolment when customer got his savings account enrolled under Spend2Earn Programme.

You can approach us in any of the following ways:

• Apply online
• Write to us at info@icicibank.com
• Call us at our 24 hour Customer Care Centre
• You can just walk into any of our branches

The following documents are required:

• Proof of identity
• Proof of communication address
• Self-cheque

You can apply for ICICI Bank Savings Account through any of the below channels.

• Apply for Savings Account online. Apply now
• Invite our Tab Banking officer to open your account
  • Call on our toll free number 1800 200 3045
  • Send an SMS 'TAB' to 5676766
  • Place request through our website
  • Walk into any of our branches

We request you to update your PAN card  through any of the below mentioned channels:

Internet Banking:

Please log into net banking > Customer service > service request > Account Details Modification Related> View/update Pan card 

Click here to update PAN number

iMobile:

Login to iMobile> Select smart keys and services>insta banking services>update Pan

Customer Care:

You may place a request by calling our Customer Care between 7:00 a.m. and 9:00 p.m. To know the local Customer Care numbers, we request you to click here

ICICI Bank Branch:
Visit the nearest ICICI Bank branch along with original photo ID proof. To locate the nearest ICICI Bank Branch, visit maps.icicibank.com/mobile.

You can update the mobile number through any of the following channels:

ICICI Bank ATM:

Visit the nearest ICICI Bank ATM > Select ‘More options’ > Register your Mobile > Enter the mobile number. Your mobile number will be updated in 1 working day.

ICICI Bank branch:

Please visit the nearest ICICI Bank branch along with your original photo ID proof. Once the request is made, your mobile number will be updated in 2 working days. To locate the nearest ICICI Bank Branch, visit maps.icicibank.com/mobile

We have discontinued mobile number registration/ de-registration/ modification through our Customer Care and internet banking due to security reasons.

The bank needs no introduction from an existing ICICI Bank Account holder, if you are submitting proof of identity and address documents, as prescribed. However, if you do not posses any of the address proof documents then an introduction from an ICICI Bank Account holder, having satisfactory relationship of more than six months, is required.

Easy Receive Account:

• Metro and Urban locations - Rs.10,000
• Semi-urban and Rural locations - Rs.5,000
• Waived off if atleast one inward remittance is received in the last three months.
• Charges for non maintenance of minimum monthly average balance (NMMAB):

Metro / Urban locations -

• MAB between - Rs.5,000 to Rs.10,000 - Rs.350 per month.
• MAB - Less than Rs.5,000 - Rs.450 per month.

Semi Urban / Rural locations -

• MAB between – Rs.2500 to Rs.5,000 - Rs.300 per month.
• MAB - Less than Rs.2,500 - Rs.400 per month.
• (W.e.f. June 1, 2016 :
• Rs. 100 + 5% of the shortfall in required MAB).

• Customer should do at least one transaction (financial/non-financial) through iMobile (including iMobile activation) every month
• Customer should have done the transaction using at least 3 defined alternate mode of payments as mentioned below, in addition to iMobile activation
• Customer should have debit transactions in the enrolled savings account aggregating to Rs. 8,000 through any of the below 6 alternate modes
• The debit transactions of Rs. 8,000 should be done consistently for 6 months through the same 3 alternate modes
• The minimum threshold amount defined against each payment mode has to be fulfilled
• For customers who are already active on alternate modes even before they opted for the Cashback Programme will have to undertake new transactions using defined alternate modes
• Customer should not be defaulting on the contracted minimum balance requirement in any of the months during offer period
• The debit criteria of Rs. 8,000 will be considered from M 2 month and continue till M 8 month where M being the month of account opening for new customers and month of enrolment for existing customers.
• Customer needs to register for the required mode of payments (alternate modes) to ensure that the debit transaction in savings account against each mode is enabled by M 2 month.

ICICI Bank retail customers above the age of 18 years having resident savings account with minimum monthly average balance requirement of Rs.10,000.

Existing customers can visit the nearest ICICI Bank branch and submit the customer consent letter. New customers can enrol at the time of account opening only.

No, you can enrol only once and only one account can be registered under the programme. List of eligible savings account status codes are - FAA05, FAA10, GAA10, SBR10, HHJWL, HKC10, SBK10, WOMAN, GAF30, HHBT1, WMNF, HHBT2, HHBT3, FE10, HGV10, HHOTP.

Debit transactions in your selected savings account towards alternate mode of payments are considered.

SMS iMobile to 5676766 to get the download link or visit the Android/ iOS/ Windows/ Blackberry app store using your GPRS enabled mobile phone and download the iMobile app.

At least 3 payment modes apart from iMobile activation you have to use every month for 6 months.

You can choose from the following payment modes

You can register for bill pay facility through ICICI Bank Internet Banking service or simply visit the nearest ICICI Bank branch and submit the physical form.

No, Bill payment as a whole will be counted as only one alternate mode & not 4.

You will not be eligible for the cash back offer.

The details regarding the Terms & Conditions and Monthly Average Balance/ service charges pertaining to the savings account (Based on the type of account you are holding) have been updated on our website www.icicibank.com > Rates and Charges (Bottom of the page) > Service Charges and Fees > Personal Banking > Savings Accounts.

1-2-3 cashback is an offer for Salary Savings Account (SA) customers of the identified corporates where they earn cashback on debit card spends.

You may click here to know the details of 1-2-3 cashback offer:

If you have already updated your mobile number in your savings account and still you are not receiving OTP or URN alerts, you may call our Customer Care from your registered mobile number between 7:00 a.m. and 9:00 p.m. To know the local Customer Care numbers, please click here

You may call our Customer Care between 7:00 a.m. and 9:00 p.m. from your registered mobile number to know the account status.

To know the local Customer Care numbers, please click here

Yes. As per regulatory guidelines, a PAN card is mandatory to open a savings account.

To view/change the signature in your account, You are required to visit any ICICI Bank branch along with valid ID Proof. To locate the nearest ICICI Bank Branch, visit maps.icicibank.com/mobile

You may avail mini statement of your account through any of the below mentioned channels:

Internet Banking: 
Login to your Internet Banking Account > My Accounts > Bank Accounts > View Mini Statement

iMobile: 
Login to iMobile > Accounts & Deposits > Select Savings Account Number to view the Last 10 Transactions

ATM: 
Insert your debit card > Enter the PIN > Select Type of Account > Select Mini Statement.
You will receive the mini statement instantly.

You will be able to place a request for Internet Banking Password through below mentioned channels:

Internet Banking:
You can generate your login password at www.icicibank.com > Click on ‘Internet Banking’ (Bottom of the page) > Get Started > I Want my Password

Customer Care:
You may place a request by calling our Customer Care between 7:00 a.m. and 9:00 p.m. from your registered mobile number.
To know the Customer Care numbers, we request you to click here

ICICI Bank branch:

Visit the nearest ICICI Bank branch along with original photo ID proof. To locate the nearest ICICI Bank Branch, visit maps.icicibank.com/mobile

What are the features of a Child Education Plan?

What are the eligibility criteria for opening a Child Education Plan?

What documents do I need to submit for opening an ICICI Bank Child Education Plan?

The minimum installment amount for Child Education Plan is Rs. 500 and thereafter in multiples of Rs. 100.

Child Education Plan will earn prevailing fixed deposit interest rates for the entire deposit period, i.e. same rate of interest in Investment and Benefit Phases. The rate of interest applied will be as per the total tenure of Child Education Plan, including both Investment and Benefit Phases. Even if the rate of interest changes, the Child Education Plan will continue to earn the contracted rate of interest in both the phases.

The frequency of the equated payouts will be chosen by you while filling up the form for investing in this Plan. The periodicity of payout can be chosen as either Quarterly or Annual.

Yes, the Child Education Plan can be prematurely closed. However, interest on Deposit shall be paid to the Depositor/s only for such period for which the deposit is maintained with ICICI Bank, instead of the entire tenure, at a rate which is applicable for such period and shall also be subject to deduction of applicable penal interest at such rate as may be specified by ICICI Bank.

No.

Yes. A loan of 90% will be sanctioned against the principal account balance of the Recurring Deposit in Investment Phase. In the Benefit Phase, the loan will be available at 75% against the remaining account balance of the FD and not the original principal amount. 

Yes, you can set up standing instructions through your ICICI Bank Account for paying the installments of the Child Education Plan in the Investment Phase. For more details, please visit any ICICI Bank branch.

Easy receive account is a resident savings bank account for customers who receive remittances from abroad. This account will cater to the domestic banking needs while offering additional benefits for remittances received in the account.

The following are some of the special benefits available with the Easy Receive Account:

• No minimum balance to be maintained, if you receive at least one inward remittance in the last three months
• Higher daily limit of Rs. 50,000 for cash withdrawal at ATMs.
• FREE cash withdrawals at non-ICICI Bank ATMs (W.e.f 01-04-2009)
• Mobile and e-mail alerts as soon as the remittance amount gets credited into your account

This account also provides the other regular benefits such as:

• Free cash withdrawal and balance enquiry at ICICI Bank ATMs
• Cash withdrawal over 8,000 ICICI Banks ATMs and over 16,000 VISA ATMs in India and make purchases at over 100,000 merchant establishments in India
• Convenience of electronic banking channels such as Phone banking, Mobile Banking and Internet Banking.

You can approach us in any of the following ways:

• Write to us using the "Email Us" option
• Call us at our 24 hour Customer Care Centre
• You can just walk into any of our branches.

Yes, an Easy Receive Account can be opened as a joint account.

• Nomination facility available for bank deposits.
• There can be only one Nominee for a deposit account whether held singly or jointly.
• A person legally empowered to operate a minor's account can file a nomination on behalf of the minor.
• Applicants can make nomination by filling up the Form prescribed under the Banking Companies (Nomination) Rules 1985.
• The nomination details can be changed during the subsistence of the account relationship by filling up the Form prescribed under the Banking Companies (Nomination) Rules 1985.

For more details please contact your nearest ICICI Bank branch.

The Bank shall offer the Customers who are individuals a monthly e-mail statement of Account and in case registered e-mail id is not available a physical quarterly statement of Account would be sent to their communication address, free of cost. In case of Customers other than individuals, a physical monthly Statement of Account shall be issued free of cost by ICICI Bank. Customer/s shall also have the option to avail a monthly physical Statement of Account or a Passbook.

You can access your Savings Account through:

• ICICI Bank branches
• ICICI Bank.com
• ICICI Bank ATMs
• Phone Banking
• Mobile Banking

To change/update your e-mail id for your Bank Account, please follow the below steps.

Internet Banking:

Please login to www.icicibank.com with your User ID and Password > My Accounts > Bank Accounts > Account Statement by e-mail > Enter the required details and submit the request. The e-mail ID will be updated immediately.

click here to update your email address 

iMobile:

Login to ICICI Bank iMobile app > Click on Smartkeys & Services  > Click on Insta banking Services > Update E-mail id><It will prompt you to login , after login > Enter the new E-mail id and Submit.

Customer Care:

You may call our Customer Care between 7:00 a.m. and 9:00 p.m. from your registered mobile number. To know the local Customer Care numbers, please click here

ICICI Bank Branch:

Please visit the nearest ICICI Bank branch along with your valid ID proof. To locate the nearest ICICI Bank Branch,visit maps.icicibank.com/mobile.

Please select from below option:
Saving AccountCredit Card

ICICI Bank presents “Child Education Plan”, a unique way to save for your child's future. To fulfill your child's dream & aspirations, begin by making small investments in a Recurring Deposit for a short tenure and receive regular payouts for the rest of the tenure in your child's “Youngstar Savings Account”. For details, please click here. This savings account brings to you all our core banking services with many exciting benefits and features attached, especially for our women customers.