If you are cyber-savvy, here is the friendly next-door cyber-savvy bank for you. I opened Quantum Optima accounts (Savings-cum-FD) at ICICI Bank Aundh branch three years ago when we moved into Aundh, and have never had to visit the bank till date. One can take care of all operations literally from the arm-chair, and now with the Bill Payment facility, my cheque leaves consumption has also come down drastically.
The three-in-one account which takes care of your Savings, Depository services, and On-line trading is an excellent service. It would perhaps sound exaggerative, but I have found nothing wanting in terms of the facilities offered by ICICI Bank. The e-cheque facility afforded me an excellent opportunity to remit a sum to my relative who had an account in Sangli Bank at Chembur, Mumbai, and this transaction was completed in just two days flat!!
On the few occasions that I have had to interact with the staff in the branch, I have found them very pro-active. In fact, courtesy one of the staff members, I ended up investing in ICICI Safety Bonds, as well as ICICI Prudential Mutual Funds.
The only thing you must avoid with ICICI Bank is taking a Housing Loan. Although the pre-sale staff give you excellent service, the post-sale service is terrible, to say the least, and I literally had to visit the Housing Loan department twelve times, besides over 100 calls and 25 emails, to get the refund after fore-closing my loan, and all this 2 months after the day the amount was due back to me.
On the whole this bank comes closest to the Ideal Bank I have had in mind. But for the Housing Loan Dept, every single service provided by ICICI bank has far exceeded my expectations, and the Internet service with integrated facility for Savings, FDs, Demat, and On-line Trading is simply the best I have seen.