In a country with a high cost of living, you would hardly want to bank with a bank that pays little on your savings and levies excessive service charges on your transactions. With the objective of delivering maximum benefit and value to you, ICICI Bank Limited, New York Branch has chosen each of the following features carefully:

	Your account balances will earn interest*.
	Zero Balance offer for those with direct salary deposits*.
	ATM transactions at more than 35,000, Allpoint surcharge-free ATMs, absolutely free*.
	Convenient Internet Banking access to your account* Instant remittances to your NRE Accounts with ICICI Bank Limited India* Free electronic funds transfer facility (ACH) between your account with ICICI Bank Limited New York Branch and those with other banks within USA* Bill Pay facility for all your utility payments* – (Feature to be launched soon)
	Free International Debit Card / Check Card*
	Free supply of your first personalized check book*
	Zero liability on your Visa Debit/Check Cards
	NRE Account

Let your idle account balances work in your favor* Your account balances in the Checking Account will earn you interest. To ensure that we deliver additional value for every cent you earn and save, we have designed your account to be an interest-bearing Checking Account, thereby differentiating ourselves from the vast majority of US banks.

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Zero Balance Maintain a zero balance account as long as you have instructed your company to deposit your salary directly into the account. Giving instructions for Direct Deposit facility for salary Instruct your company's payroll/administration department to credit your salary directly to your USD Checking Account with ICICI Bank Limited, New York Branch Give them the following details - Name of the Bank - Bank of New York Mellon + - Your Account Number - (Prefix 30000) followed by your 12-digit ICICI Bank Limited Checking Account number - Routing Number – 021000018 + ICICI Bank Limited participates in clearing through the Bank of New York Mellon

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Surcharge-free ATMs For your convenience, we have signed up with the world's largest surcharge-free ATM network - Allpoint. You can enjoy the convenience of using your Visa Debit Card at over 35,000 Allpoint surcharge-free ATMs across the US. In addition to ATMs in the US, cardholders will also have surcharge-free access to over 2,500 Allpoint ATMs in the United Kingdom. At these ATMs you can withdraw cash and check your balances absolutely free. Remember to look for an Allpoint ATM and don't ever pay surcharge at an ATM network again. Identify an Allpoint ATM by its logo on the machine. Please remember that for transactions made at an ATM other than an Allpoint ATM, a fee may be assessed by the ATM-owning bank or entity at the point of transaction, in addition to which is a $1.0 fee by ICICI Bank Limited. Visit us at www.icicibankusa.com and use the online ATM locator to find the nearest ATM.

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Convenient Internet Banking access to your account Access your USD Checking Account at www.icicibankusa.com (To access your NRE Account please remember to visit our parent website www.icicibank.com) View, download and print your account statements Make convenient electronic funds transfer, for which the following options are offered: i. Free instant transfer of funds between all your accounts at ICICI Bank Limited New York Branch ii. Free instant transfer of funds to others who have a bank account with ICICI Bank Limited New York Branch iii . Free funds transfer to your bank account with another bank within USA (ACH). Transfer usually may take up to 4 business days to be completed iv. Instant transfer of funds to another ICICI Bank Limited account in India For your own safety we follow a layered security protocol wherein: - All new beneficiaries registered on the website under process ii & iv will have to be verified by you by calling our 24x7 call centre. This approval process usually takes up to 48 hours. - Any transfer of funds initiated to your own bank account held with another bank within the USA will have to be authenticated once through a process known as ‘Sub Dollar verification’. Upon registration of the bank account details, two random sub-dollar entries will be posted to your bank account held with another bank. You would need to identify those random entries and come back and post them at the “Activate linked account” link by logging into your Internet Banking account. MyBillPayments - - - coming soon! - Enjoy unlimited online bill payment services to anybody across the USA - Pay and consolidate all your bill payments from one website - Schedule single, recurring, or future-dated payments

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Free International Debit Card (also called Check Card) Use your ICICI Bank Limited Visa Check Card to make purchases at millions of locations across the world and at ATMs to withdraw cash. It’s the card that works like a check, only better. Your Check Card is fast - there's no check to write and no ID to show. Just present your card at the time of purchase, sign the receipt or punch in your PIN and you're on your way. You’ll get a receipt with every purchase and a detailed record of every transaction on your Checking Account statement. Your Check Card is safer than carrying checks or cash - the Visa Zero Liability policy provides protection against unauthorized purchases. Your Check Card is accepted at millions of places that accept Visa debit cards, including department stores, restaurants, video stores, dry cleaners - even the Internet or over the phone. Your Check Card is the easiest way to pay for all your everyday purchases, including clothes, stamps, your morning coffee and bagel, even movie tickets.

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NRE Account Mandate Facility: With our mandate facility, your family in India can access your account anytime, anywhere. ATM Card: Enjoy the convenience of our international ATM-cum-debit card at all Visa ATMs and merchant locations. Low Minimum Balance: Maintain an average quarterly balance of just INR 15,000. Online Banking: Use our convenient and secure remote banking facility to access your account information from anywhere in the world, anytime. View your statements online, make funds transfer, get online alerts and more. Bill Pay: Pay your bills to utility companies (electricity and telephone), ICICI Bank Limited credit cards, mobile bills, Insurance premiums and lots more. Avail of our free bill payment services through your Internet Banking account. Repatriation and Taxation: Funds held in the account and interest earned on them are repatriable. NRE accounts are not taxable in India. Back to Top

* Terms and conditions apply. Please refer Customer Account Agreement for further details.