[Resolved]  ICICI Bank — charges on insufficient funds maintained while cheque releasing

Address: 400706

I have submitted a cheque to sbi branch a monthly back of amount 11.8k however i was under impression that they have already debited it but on last saturday (16th sep 2017) i directly received a sms stating my cheque has returned to due to insufficient funds and when i checked my account they have debit rs 413 from account as charges against insufficient funds. I also had conversation with representative in the nearest bank and they are also not ready to accept what happened.

I agree that i have keep the sufficient balance but in the current scenario neither sbi nor icici informed me before putting the cheque, in case of icici bank, if the cheque was dated a month ago, then icici bank represtative should have informed before charging me, in the similar example, i also have my account in kotak bank, where when they found my balance is low, they politely informed me and gave me the 24 hours to maintain the balance, i really appreciate kotak banks approach where as in case of icici bank, i have started feeling the icici bank only believes in looting customers, it not the matter of just 413 rupees but its something related to ethics.

I have salaried account with icici bank, i will make sure i go back to hr i will also inform them about this incident.

Is there any way i am going to get my money back or i just let me know what is the next level in escalation matrix..

Regards,
Shaileen kumar