Hey guys I am going to show you my experience with icici. and I am a regular coustmer of this bank and any will be regular when he/she will be likeing it. I have an saving a/c in icici from 18months and their service is good from very begning . on first day they told me to submit few documents for opening a savings account so I submitted all of them then they handover me a kit having. Cheque book ATM and shopping cum debit card and its pin . and on next day my account was ready to use . I have my account in icici gurgaon branch . private banking services are much better