My one year experience and review of ICICI b2 branch free online savings account

Posted on May 7, 2012 by admin

2 years back applied for ICICI b2 branch free savings account. I am one of the early customer to ICICI b2 product. I will explain what it is, facilities of b2 branch free account,problems faced by me and current status of service. I will clear wrong propaganda up to some extend related to the functionality of online savings account operations.

What is ICICI b2 branch free online savings account ?

Free, no minimum balance required complete internet based savings account. It is not linked to any physical ICICI branch.You can do all operations online. I will explain functionalities that this account offering later.

What you can do with b2 branch free online savings account?

1.It is 24×7, 365 days online service.
2.You can transfer funds from b2 savings accounts to other ICICI and any bank ( NEFT enabled).You can schedule funds transfer.
3.You can transfer funds to your b2 online savings account from any NEFT enabled bank and any other ICICI account.
4.You can pay bills online.
5.You can issue DD
6.Using virtual card functionality you can do online shopping with out physical credit/debit card requirement
7.Auto sweep function enables more interest on your funds.

What are ICICI b2 branch free online savings account draw backs?

No Cheque book/ATM card.

You can use funds transfer facility to over come above functionalities.

You can use ICICI b2 account as secondary bank account. zero balance and never expire even no transaction for years.

Problem faced and current service status of b2 branch free account service.

Around 2 years back, service starting days, online portal was filled with software bugs.
1.Unable to update my mobile: First problem faced by is unable to update mobile number.Front end it is taking mobile number but not properly updating at backend. it is considering country code also part of phone number. Due to this I am unable to register any new payee for funds transfer. At that time for staff also it is very new product. After many mail exchanges with screen shots at last dev team fixed that.
2.While registering other banks, drop down menu used to be blank. It should show all banks located the selected city. sent mail to customer care and this time stopped using b2 account.

Current status:
After 1 year, one Sunday just logged in to check still account is there and amount transferred 2 years back still there.To my surprise all problems fixed and my 100 rs became 106/- . From that I am using ICICI b2 savings account as my secondary account. No problems, nothing.

How I am using my ICICI b2 branch free account?

From my salary account —- NEFT — B2 account. From b2 account to other banks and bill payments.I am using ewallet ( virtual credit /debit card) for paying hosting fee and other online shopping. I am using this free bank account for Paypal.

NEFT charges are nil for b2 branch free accounts. DD charges are Nil.

ICICI b2 free online savings account service is now working fine and stable. Give a try and see.

How I selected eSata over USB 3.0 for my Laptop

Posted on January 23, 2012 by admin

Weekend while designing backup plan for my Laptop, I am forced to upgrade my USB 2.0 external disk due to its low speed while transferring large files from HDD. So tempted USB 3.0 shopping. Not only 3.0 Drive, i need to purchase USB 3.0 adapter for my laptop. so 1 TB external drive+3.0 card / Adapter invoiced around $180.

While searching best USB 3 adopter for my Dell laptop , someone at cyberspace commented out as eSATA also works fine similar to USB 3. My DELL laptop (e64 series) have built in eSATA port that I never used. With increasing curiosity, searched further and found out that I can save $180. How ?

I have old 1 TB SATA hard disk idle at my unused desktop. So if I am able to connect my Dell eSATA port to that HDD, my problem will solve.With Help of Uncle Google, learned about eSATA cable. Quick EBAY search allowed to grab good eSATA cable for $4.

Now how to connect my eSATA port to external SATA hard disk?

Connecting Laptop eSATA to external SATA hdd is simple. Now problem is external SATA disk requires power. Like USB, eSATA can;t supply power to device. After searching old package boxes i got IDE to usb adapter with external power supply card. Ok now I am ready. Booted my Laptop and bingo! Windows 7 detected external hard disk in no time. Now time to check performance.

Excellent performance while transferring large files. 97-100MB constant speed.

eSATA is faster than USB - CLICK to Enlarge

esata to laptop connection video

In this way I am able to connect my Laptop eSATA port to external SATA hard disk and achieved good data transfer speed. Please share your eSATA/USB 3 experience here.

Please STOP Stop Online Piracy Act

Posted on January 18, 2012 by admin

One word, Tech blog hates SOPA – every blogger should hate it . Politicians please don’t corrupt Internet with your dirty hands !!!!

HATE SOPA.SOPA is killer of Internet freedom

Airtel 3g data recharge with single click no registration required

Posted on January 9, 2012 by admin

Now you can recharge Airtel 3G data and voice online with single click.need to login or user registration required. This service from Airtel by Airtel .

Why all service providers started their own online mobile prepaid recharge portals instead of third party portals?

1.To save money or commission

2.3rd party portals often failing to provide latest recharge offers.

3.Technical difficulties (Money goes from account and phone never get recharge). If you ask for return, answer is – contact mobile service provider. If we ask service provider – contact reseller.)

4.Recharge delay.

All mobile service providers offering their own online recharge portals to solve above problems. Airtel one step ahead and started single click recharge at

https://pay.airtel.com/PrepaidOnlineRecharge/mobileRecharge.jsp

So instead of recharging your voice,data accounts. use respective providers websites/portals. It is safe and fast

Best easy way to generate super hack proof passwords instantly with proof

Posted on December 28, 2011 by admin

How many user accounts you have to maintain 10,20,60,80… list is growing day by day.How to manage them effectively? Now you can’t keep same username/password combination for your all online/offline account.Those days gone. Recently huge attacks proven that same thing.

Solution is password managers ( for example http://lastpass.com ). How password manager works?

Password manager allows you to store all of your passwords by encrypting with one single master password. So instead of remembering all of your name/passwords, you need to remember one master password.

Here is my point. How to select secure master password for password manager?

Simple rule is , it should be lengthy and too complicate for brute force attack.Lets take care first part of our task.Now we can generate super strong and too complicated for brute force passwords for free and that too online. Don’t overlook as it is not normal password generator. Once generated it never generate again for any other user.

King of all password generators

Her is the king of all password generators. https://www.grc.com/passwords.htm

Ok. Now we generated super strong unique password. Now it should pass our brute force check. Here is the url for that: https://www.grc.com/haystack.htm

I am using these passwords more than 1 year. It saved me twice where other users account hacked except me because of super strong passwords.

Happy new year and change all of your passwords using above method.

Can you make 1hr movie with $4 budget

Posted on September 10, 2011 by admin

Weekend FUN started. so No tech posts today. One of Indian Friend showed me video made by his friends ( they are doing graduation). 1 hour movie with $4 budget. Yes $ four only . They used normal SONY personal digital video camera . No hi-fi stuff.

I am sharing that video with you. SONY still ruling video camera market because of its quality!! What you say ?

Happy weekend.

How to understand CIBIL score

Posted on August 3, 2011 by admin

CIBIL – CREDIT INFORMATION BUREAU (INDIA) LIMITED. what it is ? why it is?

Now let’s see how to understand CIBIL score.

1. Score of 600 and below    – Not Good – Unlikely to get any loan/ credit card
2. Score between 600 – 700 – May get a loan or credit card but after some further investigations
3. Score between 700-750 – Satisfactory }
4. Score between 751 – 800 – Good         }Good chances of getting credit card / loan
5. Score of 800 & above     – Excellent    }

Best cheapest intraday tips provider with money back option

Posted on July 9, 2011 by admin

In search of alternate income, checked multiple options and at last fixed with day trading or intraday trading.Problem is I am new to this field and it requires lots of time to become expert. At present i don’t have that much time and in need of alternate income.What to do ?

I saw one of the Google ad pointing to paid tips provider. So I paid and started day trading. Everyday paid tips provider sends SMS with tips. BUY xyz stock @price and sell @ price. With in 3 days I got lose with bad tips.

Later started testing paid tips providers by trying their trials and subscriptions. After 6 attempts, at last i settled with NSEFOCALLS.COM

Closed my search for Best cheap share market trading tips provider with money back guarantee. With my past experience i didn’t trust this money back option [ basically it says, if I face lose 2 days continuously,my subscription return back to my bank account]. I tested their free 2 day trail and next week trial. Excellent ! I never closed my day with out profit!.

If you know any good tips provider, please letme know by leaving comment here

How fixed brokerage saves and variable brokerage kills intraday trader

Posted on July 7, 2011 by admin

Who is the silent killer for day trader, scalper or any kind of trader?

BROKERAGE. It is the global killer for any trader. This sugar coated pill kills your profit silently. As a trader if you book lose or gain, your broker always gains.

Most of brokerage houses follows variable brokerage system. fixed percentage based on the volume, broker will charge. Govt taxes + Brokerage axes your day trading profit.

So how to avoide brokerage?Any workaround ?

You may not avoid brokerage completely but you can migrate to fixed brokerage system. In fixed brokerage system, per month fixed charge will be there and no charges based on volume.Very less brokerage firms offering this type of facility. Indian brokerage firm http://rkglobal.net got big success with this system. I will post my review [100% own and not paid] soon as I am trying their account.

Mobile number portability started entire India

Posted on January 20, 2011 by admin

At last Mobile number portability started in entire India. All mobile providers started special offers for read to migrate customers. Airtel one step ahead and giving surprise offer for every new migrated customer online instantly. Today I saw Google Airtel ad about number protability and clicked on it.

It asked me to enter my non Airtel number and circle and bingo! following text appeared.

Aiertel number portability surprise offer

Congratulations !

The details provided by you have been successfully saved , and a special ‘airtel surprise’ package has been
created for you, which could have free talktime, special call rates, free SMS, etc

To know your ‘airtel surprise’, please visit your nearest airtel showroom or retail outlet within 7 days and ask details of your airtel surprise package by quoting your existing mobile number. Once you port-in to airtel , your airtel
surprise package will be automatically configured on your existing mobile number and you will get an SMS
confirmation of the same.

How to port-in to airtel It’s easy to switch to airtel
1) SMS ‘PORT’ (your mobile number) to 1900 to get Unique Porting Code (UPC)
2) Fill the MNP form, mentioning UPC, at an airtel outlet
3) Submit address, ID proof and photograph at airtel outlet .

The following documents can be considered as a valid Proof of Address/Proof of Identity

POI (Proof of Identity)
• Driving License
• Income Tax Pan Card
• Passport
• Photo Credit Card / Debit Card (with Photo)

POA (Proof of Address)
• Ration Card
• Water Bill / Telephone Bill (not older than 3 months)
• Driving License
• Passport

4) Receive new blank airtel SIM card from the airtel dealer
5) You will receive an SMS on time/date of porting from airtel on your old SIM
6) Replace your old SIM with the new airtel SIM after porting time/date

After porting is complete, you will get a confirmation through SMS on your new airtel SIM, and your existing mobile
number would become live on airtel network.

So next I need to follow above steps. I will post my first experience with mobile number portability. So wait for my review on number portability.

UPDATE : My TATA INDICOM to AIRTEL MNP completed. Surprise pack offered by Airtel is Rs 199/- rental – 450 min free ( local as well as STD) not bad !

Web,Unix,Db administration made simple – mini projects

Category Archives: Uncategorized

My one year experience and review of ICICI b2 branch free online savings account

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