I had two savings accounts in ICICI opened (almost 7-8 years back) one at Kanchipuram, TN and one at Chembur, Mumbai. This was with a zero balance account facility extended to defence personnel. On retirement (2003), one account was closed and other one was transferred to BTM branch, Bangalore. With out any instruction from my side, this account was converted into Salary account by the bank, though it was a jpint acount (It was never been...