I or
probably many have chosen BANK OF INDIA over other nationalized banks because
we thought it is better than others but the experiences I mentioned below are
horrible. Also so many queries which remain answered. I would like to have an
honest reply from you. When honourable prime minister Narendra Modiji is
pushing our country in the new era with demonetization your bank seems to be
making it as difficult to go about it as much as he makes it easy.
Please note
that I have nothing against any employee against any branches of BOI. They try
their best. There is a lot of load. Less staff and more people.. cramped up
bank space.
Here are a
few experiences :
1. My passbook finishes so I ask for a
new passbook. The concerned person gives me a troubled look. She gives me a
passbook but then tells that she cannot make entries as printer is not working.
By that time I go and withdraw some money after a long queue. Another lady is
sitting in the same place. I ask her if she can print my passbook. She promptly
prints. Seems like the printer started to work magically.
2. I have MINOR joint account with my
son who is 4 year old. I request for an ATM card. Strangely no ATM card for
minors in this demonetized world. I am informed that there is a BINGO card
which they will give me. Am supposed to fill in a form and submit it with my identity proof as
well as my son’s birth certificate and a photo. Its all accepted by the
employee and then in afternoon I receive a call saying they cannot issue the
bingo card. I ask why?? I am told to come and meet madam again the next day. I
go there and am told that they don’t issue bingo cards to children below 8 year
old. Now here are some questions about this
a. How do you expect to withdraw money or
do transactions in this demonetized world without an ATM/DEBIT card? Even if
its in minor’s name it is a joint account with an adult.
b. Why aren’t you employees well
informed about things. If bank rule says no card below 8 years I could have
been told that. Instead your people made me scatter for documents and waste my
time in all the procedure over nothing
3. Since your branches are always
overcrowded with denial for ATM/Debit card I asked for internet banking of the
minor. About this your employees were in a debate. Some said its given, some
said it is not. Manager missing as always or there is a huge queue at his
cabin. I am told to come back next day, and the next, and the next and it goes
on till after a month I am told that they have no clear idea. They say internet
banking for my joint account with child should appear after I login into my my
own account in STAR CONNECT . I have been into softwares. I am baffled. I ask
how will it come automatically if I never applied for internet banking of this
account. The Your employee asks me to try. They see some screens on your portal
and say everything is clear from here. Finally I threaten to complain. So I am
told to go to your regional office and enquire there.
a. Internet banking is an essential. I
need it to transfer money to my child’s PPF account as well. Apart from that
there might be some transactions I need to do online to save time instead of
coming to any crowded bank.. not essentially BOI. Whats so difficult in
providing internet banking to the parent who has joint account with a minor?
b. Again your employees are not well
informed. They are more confused than the customers. They wasted my time.
c. Your branch which holds my account
took like a month to finally tell me that I should enquire at regional office.
Do you really think that your regional office where I know no one will
entertain me so soon and will be confused any less. I have to go far from my
home/working place to solve these simple problems?
4. I wanted to open a current account
for my company which is private limited. There is again a confusion since usually they
are used to only current accounts for proprietary and partnership accounts. I
was told to meet the manager who told me things needed. All documents except
renewed shopact (expired 5 days back) needed. I told him the urgency and
requested him to open account since I am an old customer. He said he could not.
I can understand him being very disciplined. He said that he will surely open
account in a day when I get shopact. I told him it will take a week for renewal
as the corporation website is down. He said I just need to come back. I went
there to know he is on a 15 days leave. Finally I found someone I knew at the
bank who helped me. The account finally opened yesterday.
We have
opened your with some faith as your bank is nationalized. Also feel that we
shouldn’t be giving business to international banks. With the kind of services
you provide no one would want to do business with your bank. The 80% of the
middle class customers like me you have are because of trust.
In this new
era of demonetization you are not supporting our PM nor the citizens with silly
rules and confused employees. Please improve your standards if you want to
retain customers. Let your employees know exactly what they have to tell your
clients. And last but not the least please solve my query about internet
banking for my son’s account.