The major drawback about the bank is that you cannot contact your branch directly. Also, if you deposit a TRANSFER CHEQUE in the ATM, the effect is given after 3 PM, after all the debits and credits are done with for the day. To request the branch to consider the transfer and clear the cheque, you have no choice but to visit the branch personally. This is totally unfair and unjust. Only high networth clients are able to contact. The phone bankers are helpless in contacting the branch. Good way, to increase the distance from the customers.