Every Method to ICICI Bank Account Balance Explained

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Bank account balance is simply the amount left in your bank account. The term can be used for both savings accounts and current bank accounts. (CASA) Not only ICICI Bank but every Indian bank has more than 1 method to check remaining balance.

If you want to know about each method to check the balance in your ICICI Bank Account. Then don’t miss any point in this article. Because we have explained each method that ICICI Bank customers can use to check the remaining balance.

What is the official definition of a bank account balance?

I have explained the meaning of the word bank account balance in simple words. But when we are talking about banking and investment instruments. There are some technical tools or formal definitions. So learn about the official definition of a bank account balance.

It is the monetary or asset value available in your bank account. This monetary value can be positive and negative. The bank’s customers will only be able to withdraw this value when it is a positive number. If this value is negative, it means that the customer is responsible for returning it to the bank.

ICICI bank account balances are displayed in the main currency of the bank account. Over 90% of accounts in India use Indian Rupee as their primary currency. But we may also find some other currencies like USD in some special cases.

What are negative and positive account balances?

Let’s start with a positive bank account balance. In this case, you, as a customer of ICICI Bank, withdraw money from the bank account by ATM, check, money transfer, etc. Simply put, this is a balance greater than zero.

And a negative balance is when the bank’s customer has to pay it back. This is a balance less than 0. In this case you cannot withdraw any currency from your bank account. Can be any channel like ATM, online banking or mobile banking.

When we encounter negative balance?

There are many cases where we can see a negative bank account balance. I will try to explain a few of them to you here.

The first case is when you do not maintain an average monthly balance for a long time.

In this case, your bank account balance may drop below zero and you have to pay it back to the bank. Even if you decide to close your bank account. The bank won’t let you do that without returning a negative balance.

The second case is when you have a bank loan. In this case, you will obviously see the outstanding balance in your account. When you start paying back the loan, your outstanding balance is a sort of negative balance close to zero.

Those are the methods to check my ICICI bank account balance

There are many methods that customers can use to check their ICICI Bank account balance. Find them all below.

Login to Internet Banking

To use this method to check your ICICI Bank account balance. First, you must register to use the internet banking service of ICICI Bank. If you are already registered to use it. Then there is no need to re-enable the service. Simply log in to your online banking account, select a bank account and click view balance. This way you will be able to check the remaining balance in real time.

Install Mobile Banking application

Install the bank’s mobile banking app on your smartphone. Sign in to your account, you can use the same login details as you use to access the online banking facility. Well designed ICICI Bank mobile banking app. The user interface of the application is very good so you will have no trouble finding the remaining balance in your account balance. There are separate apps for Android Users and iOS Users.

Visit ICICI bank branch

Go to any branch of ICICI Bank, approach the people who work for the bank. Give them your bank account number and then ask for your bank account balance. Employees will not share balance details immediately. After providing your account number, you must present proof of identity to them. Once it is verified that it is your bank account. You will be provided with detailed information about the balance in your account.

Using the balance query number

There is a specific phone number provided by ICICI Bank to its customers. To check balance have a separate phone number. Just copy that phone number, dial it from your phone. This call will not be answered by anyone, it will be automatically disconnected. The bank will send you an SMS containing all the details of your account balance.

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