I need some clarifications reg the STATE BANK OF INDIA (SBI) Banking procedure. I am working as a software engineer in Bangalore.Also i am holding my Salary A/c in ICICI.And my native place is Gobichettipalayam my parents are in my native. So i planned to Open an savings A/c in SBI - Gobichettipalayam Branch (Erode Dist). During the month of January - 07.

When i Approached the Bank manager first time he did not replied properly also he replied as "i am having ICICI so he will he will not open new A/c for me in SBI".I had all the required documents including PAN card & also reference ( Existing SBI A/c Holder). Then finally opened the Account with the help of a small boy who is working in a Tea-Stall Opp to the Bank & his Age is around 15-16 Yrs who is supplying tea to the bank workers everyday

Then after opening the A/c i just wanted to Activate the Internet banking for the same A/c. And also i gave the request for the Cheque book. But the manager refused to give both of them.When i asked about enabling the online account he said he wont enable that & also his reply was very blunt & rubbish.

So i just wanted to know is there any written rule like for opening A/c in SBI we should be relative or close friend of the manager ? And also for enabling the Online Account is there any rule like we need to show many transactions ?

Can anyone please Clear my Clarifications & correct me if anything i am wrong here.

We have a CC account with SBI Anaj Mandi, Shahdara Branch with CC limit of Rs.33 Lac from last four years.

From last four year our turnover is around 1.8 to 2 Cr. and we have no need to increase our CC Limit. But this financial year our turnover is increased to 4.8 Cr. and we needed more funds, as we request SBI to increase our CC limit , but instead of increasing the limit they had decreased our CC limit .

Beside of all this the officers of state bank (smecc chandni chowk) harassed us for returning our title deed they tried to spend time by one or another way.

Also they force us to close our account in spite of requesting them that we have issued some cheques and we need some time to replace them with new cheques but they refused our request by saying that this is a SBI policy.

I want to know when I suspended my CC limit and have a credit balance and I am issuing cheques only with the money in my account how can they refuse to maintain my account.

We think the business is more important that policies, as bank interest we are paying about Rs. 1.6 to 1.9 lacks. to bank except other charges. If someone can’t fulfill the need of their customers obviously he will loose his customers, and the business decrease is not good for him itself.

Now we shifted our account to Allahabad bank with a limit of Rs 80 lacks. We never think of any relation with State bank of India.

I got a call from call centre/Bank to get the facility of state bank credit card. I agreed to use credit card of state bank , so told them to send their person to collect my documents from home. The very next day one person came to me and collected the documents. Next day in the evening state bank credit card verified the document. After that i am getting so many calls from other banks that to use their credit card because they have my contact and document also which i had given for the "STATE BANK CREDIT CARD". When i asked them from where they got my contact details"THEY ARE SAYING FROM STATEBANK CREDIT CARD DEPARTMENT. When i contacted to sbi creditcard department verification department, "THEY DONT SAYING ANY THING AND SIMPLY CUTS MY CALL" . I have also given complaints to sbi credit card complaint centre but not getting reply. "THIS IS MY SUGGESTION TO ALL - NEVER GO FOR SBI CREDIT CARD.