I have account both in icici bank and a nationalised bank. In the latter i have to behave as tough i am dealing with god. If i ask for any clarification they only respond with head shake or hand sigh showing me another counter to go to for clarification.(from there to another soon...) Atleast in icici people talk so what if their services come at a cost the altleast treat their customers with some dignity. More over they are not charging exorbitantly, but the penalties are strict and i dont blame them for that.