I had an account in this bank and I was suffering due to this . First of all The ATM of the bank is not available everywhere . They charge thier costumers for multiple reasons . Their server always slow . They takes 6-7 days for clearing the other bank’s cheque and it is a horrible think . My HSBC bank cheque was very difficult to clear from IOB . Once they did clear my cheque in 25 days . I was so irritated due to this . The bank costumers are also very lazy . They do their work very slowly . They are not at all supportive as well . They charge costumers for mobile updates but there is no sms will come to your mobile number . I just fed up with the bank’s performance . My worthy time did waste in this bank . So I suggest u guys not to open account in this bank .