Hello friend I opened account in icici bank before few year, when I worked in company then I opened account , I had not go to branch the agent of the icici came to my office and I provide him my identification document and then he give me all kit like cheaqe book atm card and also I got net baking Id, and next day I’m able to use my card and other card. There for I like this bank because in other Bank you have to visit in to the bank then take application form then after filling the form you have to suffer from que then you will able to submit your application after submitted application from you will get you kit after few days.