If you want to open an account of you need credit card they will come to your house and finish all formalities.But if you want to close an account because you are fed up by their shitty service you are forced to go to the branch.I used their credit card and the savings account only to pay the bills of the CC. Today I was not able to login to the Saving account and when I tried to generate the IPIN I am not able to do that because I do not have a debit card. So now I will just miss my payment. Their service design is absolutely BS. Please do not use any of their services.