Banking Issues & Solutions

•Many banks ask us to come directly to branches for several things which is a heavy waste of time. Private banks allow any branch banking and are more user friendly and send required details to home address promptly. Public sector banks ask us to come to branch for everything like ATM pin replacement, new debit card, FD receipt, etc,. If they could send directly to home address it will help and avoid crowd at branches.
•Indian Overseas Bank has the worst online banking service in entire world.
•KYC compliance through post man to home address instead of we going to banks for everything.
•Money transfer through NEFT why restricted for certain hours and not instant. In case of shopping they allow to take place at any time. Either RBI staff should work at night time also anyway computer is going to do the stuff right. NEFT and RTGS at night will help in emergencies.
•ATM/Money Deposit Machine/Pass Book Entry at Govt bus stands, Govt schools especially in rural & inaccessible areas and post offices and all bank branches mainly.
•First credit card from bank without any question with low limit. Currently it is cyclic and no one gives first credit card and states no credit history. Only if some one gives first will credit history be created. Please fix this cyclic problem. Leading to credit pick up in retail