This bank is a masterclass in inefficiency and indifference. Service? Non-existent. When interest rates go up, they’re lightning fast to increase yours—no communication needed. But when rates fall, it’s a different story: you must draft a formal letter to the branch manager just to request what should be automatic. If you don’t, they’ll quietly continue charging the higher rate without hesitation.I followed up, only to be told they “forgot” to respond. Translation: unless you chase them repeatedly, they won’t lift a finger. This isn’t just poor service—it’s deliberate negligence. And for a public sector bank, that kind of complacency and lack of transparency is downright unacceptable.
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