My salary account got opened last year with icici bank when I joined my new company and then the bank executive who was filling the form pleaded me to open demat account and told its free as they are having corporate tie up with our company but I simply denied and then after one week I received demat details with my bank account , I called that executive and he said that its free and there will be no joining charges as he told other wise I would have received mail regarding charges so I trusted and kept it but after one year icici bank have sent me a bill of Rs. 826 which got auto debited from account and they are not refunding it so guys please keep this thing in mind and any such activity is there please dont ignore and just report it to higher authority.