ICICI Bank Roaming Current Account

ICICI Bank is one of India's largest private sector banks that has grown at an accelerated pace. Formed in 1994, the bank now offers its customers a host of different financial products and services. The services offered by ICICI Bank have received several awards for its excellence from institutions all over the world.

The diverse range of products and services offered spans various socioeconomic sections in terms of its suitability for target customer. One of the many products that ICICI Bank offers its customers is the current account. A current account is a type of bank account that is often used by individuals who run businesses. The account has much higher limits in terms of cash deposits and withdrawals made. It provides the account holder with high liquidity which is an essential part of their business requirements.

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ICICI Bank has a wide range of current accounts that it offers its customers. Each of these accounts have been developed to suit the specific requirements of the customer. One of these current accounts is the Roaming Current Account. The account enables customers to carry out their banking transactions from any of the bank's locations across the country.

The ICICI Bank Roaming Current Account comes in 7 variants. The accounts differ based on the monthly average balance. The following are the variants of ICICI Bank's Roaming Current Account:

Roaming Current Account Standard
1. Monthly average balance: Rs.10,000
2. Non-maintenance charges: Rs.750
3. Free cash deposit at the base location: Rs.1 lakh
4. Free non-cash transaction payments: Rs.10 lakh
5. Free cheque leaves: 25 per month
6. Free transactions: 20 per month
Roaming Current Account Classic
1. Monthly average balance: Rs.25,000
2. Non-maintenance charges: Rs.1,000
3. Free cash deposit at the base location: Rs.2.5 lakh
4. Free non-cash transaction payments: Rs.25 lakh
5. Free cheque leaves: 50 per month
6. Free transactions: 50 per month
Roaming Current Account Premium
1. Monthly average balance: Rs.50,000
2. Non-maintenance charges: Rs.1,500
3. Free cash deposit at the base location: Rs.5 lakh
4. Free non-cash transactions payments: Free
5. Free cheque leaves: 100 per month
6. Free transactions: 100 per month
Roaming Current Account Gold
1. Monthly average balance: Rs.1 lakh
2. Non-maintenance charges: Rs.2,000
3. Free cash deposit at the base location: Rs.10 lakh
4. Free non-cash transaction payments: Free
5. Free cheque leaves: 200 per month
6. Free transactions: 200 per month
Roaming Current Account Gold Plus
1. Monthly average balance: Rs.3 lakh
2. Non-maintenance charges: Rs.3,000
3. Free cash deposit at the base location: Rs.30 lakh
4. Free non-cash transactions payments: Free
5. Free cheque leaves: 600 per month
6. Free transactions: 600 per month
Roaming Current Account Platinum
1. Monthly average balance: Rs.5 lakh
2. Non-maintenance charges: More than 50% of the requirement- Rs.2,500; less than 50% of the requirement- Rs.5,000.
3. Free cash deposit at the base location: Rs.50 lakh
4. Free non-cash transaction payments: Free
5. Free cheque leaves: 1,000 per month
6. Free transactions: 1,000 per month
Roaming Current Account Elite
1. Monthly average balance: Rs.10 lakh
2. Non-maintenance charges: More than 50% of the requirement- Rs.5,000; less than 50% of the requirement- Rs.10,000.
3. Free cash deposit at the base location: Rs.1 crore
4. Free non-cash transaction payments: Free
5. Free cheque leaves: 2,000 per month
6. Free transactions: 2,000 per month

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Common features and benefits

ICICI Bank gives its Roaming Current Account holders the benefit of making free unlimited cash withdrawals for amounts drawn through self cheques. Third-party cheques are limited to Rs.50,000.
Account holders can make free cash withdrawals up to Rs.50,000 each day. The amount, however, can only be withdrawn through self cheques.
The bank provides its Roaming Current Account holders with free NEFT and RTGS services for payments made through internet banking.
Local cheque collections, funds transfers, and cheque payments at the base branch are provided free of charge.
ICICI Bank permits its Roaming Current Account holders the privilege of switching between its current accounts without having to pay any service charges.
The bank provides its internet banking, mobile banking, and phone banking facilities free of charge.
Account holders also receive free monthly account statements from the bank.
Gold, Gold Plus, Platinum, and Elite Roaming Current Account holders receive mobile alerts for transactions made against their account free of charge.

ICICI Bank's Roaming Current Account provides account holders with the exclusive benefit of carrying out their business transactions anytime, anywhere. It has simplified its banking services to provide account holders with seamless methods of banking.

GST of 18% is applicable on all banking products and services from July 1, 2017 onwards.

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