ICICI Bank — Money was deducted without reason

Address:

Kanchipuram, Tamil Nadu, 600068

Am the a/c holder of icici bank from last 7 years, i am having a zero balance a/c,
Now they have started charging rs.172.50 under this category (dcardfee).
And atmdec chg rs 28.75
I am not aware what type of charges are these.
They never informed me regarding these charges either by email or by letter.
Who has given right to icici bank to deduct the money without informing us.
Because we kept the money in bank that give right to bank that they can do anything whatever they want.

There should be some formal process for doing all these things. i want my money to be credited in my a/c which they have deducted from my a/c.

1 21/07/2016 atmdec chg/20-06-16/2012/25+st dr. 28.75
27/06/2016 27/06/2016 dcardfee2012may16-apr17st22.5 172.50

Nagarjuna d
A/c no:[protected]