Icici bank has a customer service charter and all sort of things like netbanking phonebanking , privilege desk etc. It is decent if u are a relationship or privileged client. But the fact still remails, for the aam customer, their customer service still Sucks bigtime.
ATM : An ICICI ATM is never empty, there is always a line of customers waiting to be serviced. Some even thieves so beware to take ur belongings including the atm card and press clear/ cancel and check the screen before u exit.
Phonebanking : If you want to listen to a voice other than an ivr, expect waiting atleast 8 minutes at 10.30 at nite, more during the day . If u have verified ur account thru the ivr expect the person to verify you again and again with wierd queries like what were your last three transactions and what is ur debit cards last 4 digits, then put u back on the ivr if u dont have ur atm/debit card handy , then wait for another person for another 5 to 8 minutes. If your wait time is less than a minute you will feel a sense of immense accomplishment that no words can describe.
One more accomplishment is if one manages to desensitize oneself off the sick jhin chako jhin icici song and the loads of adds that one has to hear while waiting.
Cheat the system by using the nri number or wealth management no.
Netbanking is the best service offered by the bank, that is if u manage to get it to work. Remember ur atm/debit card no is ur login, not ur cust id.
Pray that the branch doesnt bungle up, and the courier manages to mail you ur password, else ask for a branch collect as i had to do after 2 attempts.
Branch Banking: Find a good branch to bank with , some branches are pathetic at service. Be meticulous at record keeping and escalate complaints with the BM if the bum in the blue salwar has messed up ur mundane task.
Customer service/ Email: Please dont shy from escalating ur complaint to a higher up as soon as possible. Dont waste your time with low level customer officers, they most often than not dont know their job
That said , rethink your decision of opening an account with ICICI bank in the first place.