I am banking with icici from one year. it will be wrong if I say icici bank is wrost bank. I mobile application of icici bank is easy to make the transactions, to apply cheque book, to open Rd etc. it gives eazy pay app to merchants go collection of money. but on the other side these apps are very slow these apps takes time to do any action. sometimes its very hard to intall these apps because of number verification. for example when someone open an new account and registered his mobile number but when try to install imobile it shows that you are not registered your mobile number. also when we talk with customer care number for by mistake charges they always said that we will back it within 7 days but charges never return even after 2-3 months.