Most happening scam at Branches - Be aware

[kuchbhikuchbhi is verified member.]

CBI and Canara account will be frozen if you don't visit branch for offline KYC.

@telescope . . .

 

[Ram1]

PNB asked me to fill a 4 page form to open the account via Tab and took/upload photos of the filled form

For me, they filled form themselves luckily, i just signed

 

[Anupama_Jha]

Pnb u cant access even with offline account until dc arrives.
They have weird rule, we need to send one sms to link mobile number to account within 24hours of account opening.
If not done, have to visit branch to link number.

New to me.

Canara for me and many others ,not asked any offline kyc. All accs working perfectly.

I seen a post here whose ac got freezed after a month only, so to be on safer side, I visited within 1st week of ac opening.

CBI has very very very weird policy. They do physical verification for online accounts

Yeah, but if somehow they know locality of cust address, then don't. Just fill form and all done

 

[pikashinchu]

If we have to create a final ranking on psu banks based on services.

Can we say like this in general?

Bob >= Canara >= IOB > UBI >= PNB >= SBI (Lunch brake ko bata de to) > BOI > Indian Bank

@Ram1 @Amit_1

 

[Ram1]

If we have to create a final ranking on psu banks based on services.

Can we say like this in general?

Bob >= Canara >= IOB > UBI >= PNB >= SBI (Lunch brake ko bata de to) > BOI > Indian Bank

@Ram1 @Amit_1

Canara is super crowded in most locations
Remaining all good

 

[Amit_1]

True, seedha bolo apna account rakhiye Varna apne paas 🤣
I think most of the offline branches have target of opening accounts in boi and indian, I asked one staff casually aise he

When I was opening account in CBoI, they had to meet the quarterly targets

 

[Amit_1]

Yes first they will ask u to fill those 8 pages form manually which they actually dont need. Dumb lazy fellows.
They will enter details in system using that filled form and throw away.
Actual form comes from computer print.

Psus love to irritate us

Agree, they work like they’re doing some charity stuff while working on their routine job

 

[Ram1]

New to me.

I seen a post here whose ac got freezed after a month only, so to be on safer side, I visited within 1st week of ac opening.

Yeah signature is not getting updated from vkyc to their systems.
They took signature form when i went for mobile no change form

Yeah, but if somehow they know locality of cust address, then don't. Just fill form and all done

Yeah just depends on the branch people.
Most cases they wont serve positively with online accs.
They should clearly mention branch visit is mandatory while online account opening

 

[Anupama_Jha]

They should clearly mention branch is mandatory while online account opening

Yupp, now clearly told after v-kyc finalisation.

 

[Ram1]

Agree, they work like they’re doing some charity stuff while working on their routine job

Literally they could ask us all details while filling online application in computer. But no u have to write 8pages form for 30mins for their little convenience

 

[AllThatStuff]

This is regarding the Insurance/schemes related while opening offline account.

So this week, I visit the branch of Bank of xxxxxxxx and asked boy to give me account opening booklet. I was filling, suddenly shocked to see 4 forms of different schemes attached like pension scheme, ppf, insurance etc...
I asked what are these ,i dont want. He said its govt bank, these are mandatory to open bank account. I dont want i said.

Then he told me to ask Deputy BM ,i asked him just i want account, no need schemes. He said atleast 1 is mandatory sir. Do u have circular regarding that? I dont want any schemes , will u open or not? I asked

He then asked office boy to remove those 4 pages from booklet.
And opened account without any schemes.

I feel bad for old age people, uneducated people who are opening accounts in that branch. Literally 4 unwanted forms got attached to account opening form. They dont have any ethics.
Hope they pay price for the unethical things they are doing

So Be aware and read every form before opening account. Dont belive in their words,nothing is mandatory.

I had a similar experience while opening saving account at Canara Bank last year.
I asked the employee who gave me the form that are these schemes compulsory, she said yes!

I didn't question her back instead directly went BM's chamber & asked why these schemes are forced upon us.

BM immediately called the employee & scolded in front of me...but still I could see the embarrassment on BM's face !!

 

[pikashinchu]

Literally they could ask us all details while filling online application in computer. But no u have to write 8pages form for 30mins for their little convenience

firr sarkari awsar vaali feel kaise milegi 🫠

 

[Ram1]

Tmb and karnataka, are they worth it to open online for rsdc?

Asking genuinely, unki branch sayad idhar kahi hai nhi isliye

Tmb is very good bank in terms of banking ,convenience banking.
But if u r okay with 1180 fee for joining and annual dc feel, go ahead.
Mab 500 without chequebook
Rsdc can be applied while account opening itself.

 

[KLB@96]

If we have to create a final ranking on psu banks based on services.

Can we say like this in general?

Bob >= Canara >= IOB > UBI >= PNB >= SBI (Lunch brake ko bata de to) > BOI > Indian Bank

@Ram1 @Amit_1

indian bank is really good. their app is good gets almost all job done . also my local branch is very helpful.

 

[Amit_1]

True mere saath Indian mei aisa hua tha, staff koi interest he nhi tha, and jan dhan account kholne ke piche pad gaye thei mere

Baaki sab mei company and salary pata chalte he respect++ hojari thi meri 🫠
Firr baaki products jaise ULIPs, FD, RD, sell karne lag Gaye thei, jo maine psu mei kabhi nhi dekha tha, happened this in BoI, IOB, UBI and pnb with me.
Acha treatment de sakte hai, prr dete nhi ye log I feel

Yes, I connected to every branch head/bm for account opening, first thing they ask you is what you do and which location. As soon as they get to know they start their marketing strategies, but I am like hmmm hmmm, I don’t want, can you open account sarr

 

[Z_S]

Same story, even BM trying to convince me that I shud take, it’s for advantage only, without much fees. I clearly said I don’t want anything extra which I don’t like

Today went to cbi,they had attached all forms like all type of schemes of 5 pages,and just had a heated argument with BM and threatened to take video and complain to nodal officer,then they took me inside and offered some chilled colddrinks.

 

[Amit_1]

Literally they could ask us all details while filling online application in computer. But no u have to write 8pages form for 30mins for their little convenience

I don’t understand for which fight, they need proofs.

That’s the typical difference between Sarkaari/Pvt, Pvt banks do mostly tasks over the call or WhatsApp

 

[pikashinchu]

Today went to cbi,they had attached all forms like all type of schemes of 5 pages,and just had a heated argument with BM and threatened to take video and complain to nodal officer,then they took me inside and offered some chilled colddrinks.

Acha tarika hai garam karke thanda karne ka 😀

 

[Anupama_Jha]

Today went to cbi,they had attached all forms like all type of schemes of 5 pages,and just had a heated argument with BM and threatened to take video and complain to nodal officer,then they took me inside and offered some chilled colddrinks.

Those cold drinks are funded by schemes only😆

 

[Ram1]

indian bank is really good. their app is good gets almost all job done . also my local branch is very helpful.

My next psu bank to open is Indian Bank only.
Praying God to just give a good branch staff and services just like you🙏🙏🥹
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