I am having my accout in ICICI bank . But yesterday Rs 28.09/- were deducted from my salary account and when i looked into my mini statement it was described under "ATM DEC CHG". And when I tried to explore it over Internet, I found these charges are applied for when ATM of other bank declined to withdraw the money, if it doesn't have enough. So is it ethical to charge customer for this reason.Although i was having enough balance at that time.
More ever , it is also illegal as per RBI rule.

My Account Number is
132********8
Transaction details : ATMDEC CHG/14-02-13/

Please resolve my issue and also it has charge me near by 400 Rs. as Minimum Average Balance charges 1 Month back.. Now I am fed up with the Services.