Problem with ICICI Bank or Something Else?

My first debit card was a salary account. The bank was Bank of Baroda. I asked with an officer in the branch if it is possible to convert my salary account in a regular account and he told me “yes”. I did not that because I had another account in same bank in another branch. Keeping that debit card in back side pocket of my pant and cycling it was broken in many pieces. I recycled it.

A new SBI branch near my society was opened so I opened an account in SBI. The ATM card I had got it was not useful for online transaction outside of India because only Indian websites accept SBI debit card.

I decided to get ICICI debit card but everything was a misery. I did mobile recharge with ICICI debit card two-three times. But as I knew it is no use of so I decided to close my account in ICICI bank and I did it. and now it is over 8 months old matter. But still I am getting newsletters and announcements sometimes from ICICI bank in my inbox. This is not the only matter I think my account is still active. Defiantly it will not be actively active. But the last email from ICICI I got just a week ago. This email has last 4 character of my mobile number and last 4 characters of my ICICI account number. The bank also provided my MMID number which will let me transfer money by mobile. The bank is presenting, IMPS (Inter-bank Mobile Payment Service). It will let me transfer money instantly via my mobile phone. The only thing I need is my MMID. With this service I can transfer and receive money instantly from/into any participating banks.

So the bank has created MMID number for a mobile number associated with a bank account and that account is closed 8 months ago.