Do you believe, I wasted my one good Saturday on bank to make simple new ATM PIN request. When I entered to the bank (SBI, Tiruchengode branch - SBIN0000968), I was feel like I entered in the vegetable Market (Crowded), I noticed 50 peoples on a queue, waiting on SWO section for queries. Unfortunately there was no one in the chair to attend for long time! Yes, 1/3 chairs where empty! I searched for the new ATM PIN form, but I don't find one, then security guided me to stay on the queue to get form. After I wasting few hours on the queue, I got a very simple form to fill up. Once I filled up, then I return the officer, she asked to meet some other bank officer inside, I noticed there was 20 people queue with no officer on their chair. She came after 40 minutes after I joined the queue. She asked my passbook, please note "PASSBOOK" is mandatory to request new ATM PIN!!!. I already thrown out 15 days before in the same bank for same request for the reason I didn't bring passbook. So this time I was very clever, I gave my passbook to her. She started checking my accounts from computer, then said "You never did cash transaction with bank!", Yes, never done direct cash transaction using ATM, but I have decent online transactions every month. She send me out to do the minimum cash deposit(100 RS) on cash deposit machine, I saw a large queue on machine. I was already frustrated and tired on spending very long valuable hours on bank. Before, I finish cash transation clock ticked the service hour (Saturday- semi working day). I went out with severe headache and frustration. oh wait, I definitely hmmm may be, next time I make new password request successfully! Since I have passbook, cash transaction and few headache tablets as well :( :) clock ticked the service hour (Saturday- semi working day).
I had same situation(new ATM PIN request) with different bank (HDFC). There solution was very simple, I logged in to the HDFC online bank, Made new ATM pin request, bank sends me the 1 week valid OTP to my mobile phone. Using that OTP, I changed my ATM password on convenient time. So do you compare both service?
Why's???
- Why still bank wasting tons of paper with forms?
- Why we need cash transaction to get new ATM password?
- Why bank keeping form with officer, Why customer need to wait hours just to get form. Why don't the hang or placed in box for customer easy access?
- Why don't bank receive these simple request form from a box, now days bank collecting even cash deposit throw box!?
- Why we need a passbook? Why customers need regular transaction entries in book, It's again waste of paper. Why don't find bank alernets?
- Why most of the employee sheets were empty? It shows poor governs!
- Why don't bank update their online/ATM software for smart banking.
I think superiors really need a eye on these small fixes, This will really increase bank credibility and will not waste customer valuable holidays :)
Last but not least, bank suggestion/ complaint box will never work so don't waste your time - warned by security chief of bank !!!
