Today, I purposely took one hour off in the early morning before went to work to go to banks. I was thinking one hour should be long enough for me to go to two banks within the same area, to perform these two tasks:
- Open a new basic saving account in Maybank
- Linked my property loan into Public bank online banking.
At 9.10am, I arrived at Maybank branch and waiting for the branch open at 9.15am. I took more than 5 minutes to fill in the lenghty account opening form, which contained 4 pages back and front, to fill in those less important information such as interest, company information, income, etc. Then wait for the officer the proccess the document, create account, prepare the ATM card, collect money and activate the online banking. At 10.00am, I finally settle everything for opening the new account, including changing ATM pin number and activated online banking.
Then I drive to Public bank to linked my property loan to online banking. Everything going fast but at the end the officer told me that my wife need to sign the document as the the loan was joint between our name. I have to come back with my wife again to settle it.
The time I left the bank was 10.20am, longer than expected and I have to rush back to office.
Image credit to moonjazz
The conclusion of my unpleasant banking experiences:
- The process to open new account in Maybank is time consuming. There’s room to improve in my opinion.
- The online banking of Public Bank is incovenience as you have to visit branch and manually linked the account. Please enlighten me if you have others bank which required to manual linking as well. I have few accounts(saving and current), personal loan and credit cards with SC and all linked automatically with single online banking.
More information about Maybank basic saving account:
- You can choose one of the two options: Unlimited ATM withdrawals and over the counter transactions at an annual fee of RM8 or 8 times ATM cash withdrawal transactions with no annual fee.
- You have to create new login for the Maybank2u online banking. If you already have Maybank2u login previously, you new account will not appear in your existing Maybank2u account. Both online banking account works independently but you can enjoy unlimited transfer between both accounts.
Hurray!! I can start saving RM3 per months for the GIRO.
Image credit to libraryman
Visit the link below to know more benefit of basic saving account and list of the bank offering this type of account.
http://moneysospecial.com/deposits/you-must-know-it-basic-saving-account/
Why don’t you go to Maybank and Public Bank branch with less customer? I always do that… =P
I was the only customer in Maybank that time, in the customer service area, as the bank just opened. Maybe the manager not arrive yet???