I have wonderful experience with icici bank it is the best private bank in india I can surely say that because I have used many other bank also both private and government and in all icici bank just stood out I must say. There is no issue in transaction whether online or otherwise, there staff are very helpful and surely pays attention in any problem you have and make effort to solve it as soon as possible I dont know why people are writing so much negative about it. But according to me you can surely try icici bank and then you will dont have to move to any other bank because it will fullfill all your requirement I gurantee that.