Worst experience as a bank customer. They over charge, they wrongly charge they return cheques in spite of adequate balance etc. But these are lesser evils. They delay chq credits for extra 2-3 days. Not only it is highly illegal, it is dangerous too. It shows that they are holding on to our money and thereby one can conclude that they are covering-up some missing money.
I am certain that they will not be able to continue this way for long and then what will happen to our money ?