You are very right Mansi. I have been a loyal ICICI customer from last 7-8 years and use many of their products. These days I dread the day when I have no choice but to go to the branch. The so-called bankers in the branch make sure they treat you in a worst and the most indifferent kind of way. Every inch of their face says - you are not needed here...go away...we dont care. I tried the online and telephone customer service too. They are even worst. I have moved to good-old SBI now. I know they are no better, but at least people in my branch are good, so far.