I love this bank very much in our Bangladesh its so difficult to say that bank is so rear to open a bank account no other bank have to facility like that and ATM booth facility is so on.its a safe URL in the address bar of the browser than clicking links than given an email.there are a huge way to customer service such as call, email, write, visit so on. now HDFC bank is approach the banking ombudsman appointed by the reserve bank of India.