Hello friends, today I will share my personal experiance with icici bank. friends I opend an account in this bank in 1000 rupees before one year ago. I got atm in seven days. this bank apply sms charge. phone banking is available. once my atm card was broked then I go bank and write new atm application. my new atm card cames in fifteen days so friends customer service is bad. atm availablity is very low.