As per my experience I would say that not to trust federal bank.I had started a account on last april and I hadnt even collected the pass book from thw bank.the only thing I do was just keep them atm card with me.and after that on this dec I had startesld to use that account and I put my first payment I had deposited 1100 rs to bank and on the next day they had charged 1062 rs as fine.ie 6months* 177= 1062 and to start my account I still need to pay 3* 177= 531 .this is known as fraudlent.even I hadnt used that account till and I had cahrged such an amoumt by bank.this like a putting blade to the neck.Bad bank