You have to believe the bank but bank will not !. Review on ICICI Bank

I  hold a SB account in this bank for about 6 years. I was not aware of the tech savviness of teh bank. I considered it like any other bank. I put in money (surplus) and I did  not bother to take it out. Some times it used to be even 6 months without any transaction. This depositing was by visiting the bank premises. And that is another thing. I am yet to see another bank which actually discourages the bank premises visit by customers.

That is " We want your money for our bank, but we donot want to see  your face here". Very Customer friendly, no? I thought of using net banking. Logged on to net and tried to login to my account. Not possible ! Contacted phone banking officer who glibly told me that since no activity was there for months since the ID and password were given , they have disabled it ! I have to request them to get it alive again.

After that I deposit cash or cheque through ATM.

I decided ot deposit cash in my account on Saturday by visiting the bank. I got the shock of my life.

Normally when you deposit cash in your account, what do you expect? the cashier will receive pay-in slip and cash from you, count the cash and stamp the pay in slip and give counter foil to you.

But not in ICICI ! I asked for pay in slip and I was given a cover ! I had to put money in the cover write details on top of the cover and hand it over to the person at the counter. The counter wallah will give me an acknowledgement saying he has received a "Cover" from me. The terms and conditions says that it is opened under surveillance camera and the correctness of the amount as determined by ICICI bank is final.

I am flabbergasted ! HOW CAN THIS BE POSSIBLE? I deposit money in the bank and bank gives me acknowledgement saying it has received a "cover" ! Is there no way to challenge this procedure by the bank

I was credited the correct amount by the bank yesterday , but the procedure itself Think is violation of my rights as a customer of the bank.

Can any expert on banking law throw light on this? What will be the status if there is a dispute? Difference in what I put on the cover and what is credited by the bank ? I have to believe the bank but bank will not believe me?

I welcome comments / feedback on this

Updating this on 19th August:

I narrated the incident to my sister who also is an accout holder in the same bank.

From her , I came to know that this funny procedure is adopted only during a specific time frame

(10 AM to 2PM), that is this "cover" business for depositing money!

At other times, the normal pay in slip and cash remitting is done!

I would still like to know from any other forum members knowledgeable

on banking transaction law whether this procedure can be challenged!