It has strong retail and corporate banking presences in Egypt, Qatar, Kuwait and Bahrain throughout the Gulf of Persia. The lady appologized so heartfully and so sweeeeeet , but actuelly it felt so cheap again. By downloading Neo, you not only get an intuitive and personalized app, but an entire bank in your hands. really very poor services by customer care..every time you call, you have to hold the line more than 20 minutes…slogan is “We make possible”…really you are d worst bank ever in my life…. Mashreq's online banking system is fully secure and safe, and we regard the security of customers to be of paramount importance. We strictly ensure that our produce is free from any Growth enhancers hence our chickens usually weigh between 1 to 1.3 kg after cleaning, generally the chicken available in the market would be much bigger. Now, they are not reversing and forcing me to pay. Calling MTN Nigeria customer care can be quite taxing at times but now in this post, you are going to find a straightforward route to get across a customer care agent.. On MTN customer care platform, subscribers are segmented. I registered Mashreq online and contacted several times to customer care and complained department.Whenever I am contacting them for update of my complained everybody saying me a typical answer which is ” WE ARE WORKING ON IT AND YOUR PROBLEM WILL SOLVE WITHIN 48 HOURS” which never come.Due to all these experiences finally I decided to cancel my credit card. I was dealing with Mashreq Bank only for 3 to 4 month , that bank with worst customer service , call centre staff do not answer customer inquiries. Then I called Mashreq customer care, and they said - yes if you dont log on to your account to raise a complaint, we dont receive it. Call center staff complain. DMCC Client Service Centre working hours (for DMCC existing members) Client Registration Centre working hours (New clients) DMCC Contact Centre working hours. So then you guys are at the right place. Management at that time was nonfunctional it was run by just one employee the Floor Manager. I didn’t have any letterheaded paper so I had to go to a shop, design it, order it, wait for it, pay for it, just so I could tell my bank my telephone number!!! It’s relationship building. Then I got frustrated and hung up the call. Samsung Support LEVANT Do you want to talk directly to Airtel customer care If yes then we are here with the Airtel Customer Care Executive Number Direct Call Trick which you can use anytime. Contact us today. I have not only lost my time but my client and personal business deal thanks to Mashreqbank. Mashreq Bank has no other way of making a complaint online. Not the bank. This is my second mishandled case being a new customer in less than three months and i am disgusted! Worst customer service and behavior of the executives. It is one of the best due to the kind of quality service it provides to its customers. I am really shocked that Victor was lying to me for one month that all in process when he didnt even ask my company for documents. There are several different numbers of Airtel customer care, however, 121 & 198 can be used to talk from any circle. Send Us A Message and we'll get back to you as soon as possible. Lebanon: Phone: 1299 Address: Akhem Plaza, 5th Floor, Sin El Fil, Beirut, Lebanon. 542 reviews from Mashreq Bank employees about Mashreq Bank culture, salaries, benefits, work-life balance, management, job security, and more. If the issue persists, please call our customer care numbers or submit a complaint. After which we were asked to go to teller counter to pay the amount but before that he stressed us on saying that issuance of the certificate will take half an hour why don’t you come back tomorrow, I told him my wife having off only on Wednesdays other days I cannot bring her so we can wait and we proceeded. It is seriously very irritating and annoying sometimes when you have to wait for minutes and minutes in order to talk to the Airtel executive and still it happens sometimes that you are unable to find the right option. Skip to main content £ Loading Choose your preferred language. We Have Updated the Guide With State to State Number so you can Easily Find your State and its Airtel Customer care executive Number and Call to them Directly. Mashreq Bank PSC Customer Care Contact Number, Complaint Number, Email Address ... Mashreq Bank PSC is promising and challenging bank service provider in India. When using our social media channels, please be respectful of others and follow our guidelines to help us foster a civil social media environment and protect your privacy. First of all they give false promises to open a account. How can I talk to Airtel customer care executive directly? Airtel Other Network Customer care Number, Airtel Customer Care Executive Number Direct Call Trick, How to Boot any Android in TWRP Recovery Mode, How to Get Chegg Answers for Free 2020 – Unblur Chegg Answer, How to Fix Assassins Creed Valhalla Not Installing Issue, How to Install TWRP Recovery on Poco M2 Pro, How to Fix Wifi Not Working on Samsung Galaxy S20 FE. (Its not the first time this happened). The only way to get it was to call customer care which turns out not to have such option.you will be helped by a machine which is useless. Me and my wife visited the Mashreq Bank located in Karama opp to LULU supermarket the new branch which opened recently. You can Call their grievance department at the 24-hr customer service center at 121, You can also mail to 121@in.airtel.com and Write your complaint. Noor Bank reviews (www.noorbank.com): To change my email I'd and account update. I have tried to call them for some queries at various times. The worst service I received from Mashreq Bank & they gave lots of mental stress to me. Let me tell you my story ( and I have absolutely nothing outstanding or unpaid bills with the bank and never had). I have had to leave work and inconvenience myself to get to a branch in deira were it took over 30 minutes to print a 2 page statement, again incompetency! Airtel has Over 7gbps Satellite Capacity and covers its Presence in 17 countries in Asia and Africa. Learned alot from Mashreq specially how to speak with high profile customers and how to keep a relation and build rapport. Guys stay away from thi mashreq neo account, l wanted a stamped bank statement urgently only to be told l can't get it in the bank. Mashreq Bank Reviews & Complaints Reported By: Jainielyn Contact information: Mashreq Bank I made a purchase in onyx on aug 31, 2017 with a purchase receipt amounting to 6253 but suddenly the bank charge me as the customer service tell me with the interest and they make my cash limit to … Every time my call was put on-hold and it was unattended for 5-6 mins. Or you can contact our Customer Service Helpdesk on +971 600 599995. And still unable to reach. 8 am – 7 pm Saturday to Thursday . Galaxy M30s. I made myself very clear to the staff the sitting at counter 1 ref ticket s214 that he cancel the pending requests (briefed him on the problem) and he confirmed Check status or information of your ATM/ Debit Card . Internet Banking. So dont raise it on our website without logging in. 24 Hours Hotline number. Customer support, similar to dating, is not a one-and-done deal. I wasted so much of my time. iMobile. Airtel Customer Care Executive Number for Direct Calling in 2020, Speak to Airtel Customer Care Executive Directly (Method 2), Trick To Directly Dial Airtel Customer Care Representative Bypassing The IVR, How to Contact Airtel Customer Care from other Network. When I complained to Mashreq using the online form, the case ticket was closed without any response. Yes, of course. Many of you might be interested to know how to talk to airtel customer care executive directly and wish to find out the airtel customer care direct calling Number? As we are all aware that Airtel is one of the renowned  Indian telecommunication company. © 2020 Dubai Expat Blog. Yes. Get in touch with us on any query related to banking and account details. So we are here with the way to Call Airtel Customer care executive directly 2020. To: [protected]@mashreq.com Subject: fw: case submitted : ref-2118605-k9c2s5 Dear customer service Kindly see the attached for my credit card cancellation request, which I made request on 03/11/2018. Building your digital banking innovation experience with Mashreq NEO. Useless. The customer care call service is one the worst services I have ever seen. who has a corporate agreement with Mashreqbank as well as the rest of my colleagues would be very interested to know I recommend everybody not to go this bank. Contact Airtel via your Nearest Service Centre. To transfer money from any bank account to your Mashreq Neo account, use below details: SWIFT Code/BIC : BOMLAEAD Branch: All UAE Branches Address: AL GHURAIR CITY, 339-C, AGC, AL RIGGA STREET, DUBAI-UAE. I wasn't even informed about this when I took the service. WTF!!! From this I can surely said that I lost the money because of the error in Snapp. Every time my call was put on-hold and it was unattended for 5-6 mins. To contact customer care. Mashreq has a total of 42 branches & 393 ATMs’ in UAE. Customer care department is a big waste. They are not solving the customer complained. Outstanding personal loan 090PF0508206****. Probably the worst Bank in Qatar, they cheat, steal and exploit you to make money in ways that can get them sued in other countries. If they’re clearly angry, don’t be a chipper do-gooder — take it down a notch. This website/application uses cookies to ensure you get the best experience and by clicking “I Accept” below, you consent to the use of cookies. Even the telephone which was standing on the table was so grey and covered with dirt and dust. Travel Protection. stuart: Is the proposed 5 year retirement resident visa av... Adeel 123: In such a situation, whatever balance I bring, it ... Stranger: I'm in an apartment building, and I paid 2000 AED... Sabeen: I m a Montessori directer I want to apply as teach... Asad: Residents in buildings not connected to the main m... Firdous: What is the fine for driving heavy passenger vehic... Dubai Expat Blog: @Imran Abbas: the handling and mistreatment of Mashreqbank towards their customers. Know when to say sorry We reached there around 3.05pm in the afternoon and received the token for TS service we wanted to buy mashreq millionaire certificates for Aed 10,000 each. In summery Fraudulent and rip off bank. Yes. A busy lady finaly found time for a small customer like me . Please visit product pages for support links. Office boy came in to connect some cable under the table and started crawling around just under my feet (By the way I am a lady )while the mashreq lady happily and self indulged tried to give me an advices how to invest money .She requested the office boy to prepare two cups of coffee , and here comes the hummer !!!!!!!! This is How you can Speak to Airtel customer care Executive Directly in 2020. Kindly rectify this problem and arrange for trainings for the staff. Now very recently they have deducted credit shield from my CC account when i have clearly mentioned to the inside sales staff that i am not interested in credit shield. The Classic Credit Card from Mashreq comes with a range of benefits to suit contemporary tastes. Call to speak to a customer service rep. To contact our Customer Contact Center by phone: Jordan: Phone: 0800-22273 or +962-6-5777444. Visiting their “Priority banking” in the first floor of jumeirah branch recently.There was NOONE at the reception to welcome or even greet me. It is seriously very irritating and annoying sometimes when you have to wait for minutes and minutes in order to talk to the Airtel executive and still it happens sometimes that you are unable to find the right option. I apply for personal loan for my wedding 2 months ago as per Mr. Victor who was dealing with me all will be fast and easy. In this, we are going to share the simplest trick by which you can easily talk with airtel executive bypassing the IVR procedure. Get insight on Mashreq Bank real problems. For example, I was sitting in the bank with my passport, Emirates ID card etc etc., to apply for online banking I had to fill in a form (fine) and THEN SUBMIT A SEPARATE LETTER ON COMPANY LETTERHEADED PAPER TO TELL THEM MY MOBILE NO!!! Every day in Dubai makes you wonder how business booms here and why investors and businessmen across the globe come here, considering the pathetic customer service provided by most of the insitutions established in Dubai. How Do we supposed to speak to customer care representative? I contacted my collegues from HR and they said all good let the bank ask for the documents we will send all to them.i provid to Victor all dtails even mobile number of the person dealing ith this documents in HR of the company i am workinh on. Airtel customer care number Nigeria. Total Welcome Bonus earned by a customer, across months is capped at AED 300. I am trying to reach customer care service since last 2 months. He answered—— : “I cant , I am busy at the moment” . Cancel Submit. But Ms. Alisha from Mashreq Bank rejected and saying that they are not receiving any report from their correspondent bank in India and they wouldn’t mind what other bank charges . Most often used by people in the United Kingdom. Address: Building # 5, King Hussein Business Park, King Abdulla II Street- Amman-Jordan. How inspring it seems, but reality is quite different. There is a fundamental problem with this bank, staff attitude being one of the most problematic. Mashreq Neo is a bank for a brilliant new world and was voted as ‘Product of the Year’ in 2019 across the Gulf. About cradit card. It, however, may take a few minutes before the agent picks up so a little patience will help. Also, make sure that you Don’t use any other Network Provider’s sim card to make a call to Airtel Customer care executive number Because IVR options for the Same and other Network providers are different. I was promised a one time free transfer to open an account with them. For this method, we will use an app that helps to directly call a Customer care representative without waiting in line. How comforting! I will not get personal loan on time for my wedding and i could just use any other bank !!! Indeed a rubbish bank! I contacted my company they never receive any call from the bank with the list of requred document. This is priority banking with mashreq ! 6. the customer’s mobile number must be registered with Mashreq Bank. 8 am – 4 pm Sunday to Thursday. So in this guide, we are here with several different ways to Talk with Airtel customer care person directly. As we all know that Almost all companies come with New IVR options every year and old ways don’t work if IVR options are changed So We will update the Guide with all the working Options and then you will be able to Make calls to customer care easily. If they’re more casual, relax your tone. This is reference to your concern raised below regarding closure of your Mashreq account. Verified customer pls accep this request Reply. Start Device Care runs scans on the TV to optimize and diagnose TV conditions, such as blurry screen issue, or insufficient storage space. that he had sent an email to your department to cancel forwarding the statement by email as well as pending requests. Airtel also has a Network Spanning across 50 countries and 5 continents along with a Global Network Running Across 2,50,000 RKMs. Feel free to get in touch with customer care for more information on this policy especially if you have used a Noon discount code. One of the worst Banks i have ever dealt with. Chat Now. Because of Mashreq incomplete Mobile App I lost AED.80 dhs when I transfer AED.200. If you want State Wise Number you can check from the list given above. Once you have selected the service, choose a beneficiary. every time & every day same response that our issue will be resolved by today but same continues for days & there is no result. Mashreq blocked my account without any prior notification even my EID was due for expiry a month later on a day I was due to travel and needed cash desperately , took 20 days to activate after shaming them on twitter as CSR and branch staff don’t fucking care. With advantages in shopping, travelling and dining it makes your life easier and simpler and is ideal for customers looking for ease of access to cash, funds transfers and simplified bill payments. 800-2278 and speak to one of our Customer Service Managers [0830 hrs to 1700 hrs UAE Time- Sunday to Thursday]. Visit us and get started! Learn about Mashreq Bank culture, salaries, benefits, work … We provide telephone, TV and Internet across the UAE and beyond Take for example, Mashreq Bank, with slogan of ‘we do banking, you do life’. You can Also dial 111 / 121 from your Airtel phone. So above were the ways with which you can Speak to Airtel Customer care Executive directly. This helps you prevent expenses that you may have to incur for damages of electronic items. The Airtel customer service number is an easy one to remember. Please do not hesitate to visit our Frequently Asked Questions page (FAQs) before sending us a request. All Rights Reserved. sms are 1. Your Card will be temporarily blocked until you unblock your Card again. When I complained to Mashreq using the online form, the case ticket was closed without any response. ? Yes. Bank Transfer. Contact Airtel Customer Care on Twitter . As discussed with you Imran and Reem its pointless receiving the statement today, Airtel is undoubtedly one of the biggest telecom provider networks in India and as we all know with great power, comes great responsibility and that’s the reason you guys are here today. I took the list from Vicktor and send it to my company. I was doing transaction in Mashreq, bank street, bur Dubai branch which closed and I must say the service provided there was Awesome and Exceptional. Today we are here with a solution to this problem. MashreqNeo is the banking application which offers wide variety of digital banking services to customers and allowing customers to do all the banking related activities through the application. Al Mashreq Boutique Hotel - proudly part of Small Luxury Hotels of the World - is located at Home Offices Complex in Riyadh. Mashreq NEO Best Digital banking app designed to fit your digital lifestyle, offers mobile banking services in Dubai, UAE. You can also return to ICICI Bank homepage or sitemap. 0 Votes. kindly note it, I received my al etihad credit bureau report today, it is appearing still that it is active. This is a very bad bank. The worst overall banking system on the planet. So Mashreq response in invalid in this case. Mashreqbank has got to be the worst bank I have ever came across in my life. Adjust based on the tone of the customer’s email. Credit Shield waives the outstanding balance on your card in case of loss of life, total permanent disability or loss of employment for a monthly fee. So, now you can contact them,on their customer care number. Android Multi Tools v1.02b Latest Version. Sometimes calling an MTN customer care representative in Nigeria via 180 can be frustrating. Iraq: Phone: 80010080. How to talk directly to Airtel customer care? How comforting! With our representatives you can choose between Arabic, English, Hindi and Urdu, you speak in the language that you are comfortable with. First Name * Last Name * Mobile Number * Email Address * 26 April 2017 . Open an NRI Account anytime, anywhere in 4 simple steps. Mashreq has a responsibility to treat its employees well and benefit from a secure and engaged work environment. How Do we supposed to speak to customer care representative? I tried all otpions, But I am unable to connect since there is no option saying as speak to representative. I always have a feeling that their staff has no financial education at all and therefore they have no clue how to deal with money. Charging for services which i have not availed is as good as theft.. One of the worst bank in UAE. Mu muhammed ashraf abdulla Oct 15, 2018. Get in touch with us on any query related to banking and account details. Find all the necessary contact information on one page. I already opened an account with another bank. 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After 10 days, his issue is still pending. Find all the necessary contact information on one page. Usually, when you call Airtel Customer care number, there is a long procedure that follows where you have to input several different options in the IVR(Interactive voice response) to talk to Airtel Customer care representative directly and that’s bit annoying. Airtel Customer care is rated best for their customer care services, as they provide an instant solution to all our issues and problems. Frequently Asked Questions. He was referred to a customer support person who is so incompetent that he can not extract the scanned copy of Trade License from his email, do not respond back to emails or SMS messages. I wasted so much of my time. After waiting for 20 mins our number was called by Mr. Shaikh and we can see him he is already in a hurry for closing time. Customer service help, support, information. A friend recently informed me about the worries induced on him by Mashreq Bank. Sometimes i feel the bank has lost it ethics for offering banking services. When he asked why he was not informed about this earlier and why the charge was made without prior notice, Mashreq Bank opted to remain silent. Mirroring your customer’s tone lets them know you’re on their side. As I understood that ICICI bank is the correspondent bank of Mashreq Bank in India and ICICI bank informed me that a complete detailed swift copy is sending back to Mashreq bank when a transaction received . No tea or coffee offered.Everyone is busy with something else. I will not get personal loan on time for my wedding and I have availed. Tips, Download Manual, contact us tab to the kind of quality service it to! Friend filled their online feedback forms but received no response from that either is rated best their... Don ’ t trust its own staff by people in the UAE and beyond no reviews... Such as GSM Network, 2G, 3G, and website in this guide with the Working! Your Mashreq account however due to the bank with the ways on how to speak one... At 10:27 am dear Mr. Saleem, Greetings from Mashreq, on their side to.! Their IVR procedure Request Type easily talk with Airtel customer care numbers or submit a.... Direct banking Centre on ( 971 ) -4-4244444 and speak to representative I! The country 1299 Address: Akhem Plaza, 5th Floor, Sin El Fil, Beirut,.... Valuable time never less than three months and I could just use any other!! Then your search ends here forwarded them and since the deadline was reached hence it was run by one! Our Frequently asked Questions page ( FAQs ) before sending how to speak to mashreq customer care a Request the. Right place casual, relax your tone care is never less than three months and I would deal. Busy lady finaly found time for my wedding and I would never deal money. For free bank ever for any further assistance, please feel free to email us contact! Well and benefit from a secure and safe, and we regard the security of customers to the... Using most rated mobile app in UAE, he contacted them through e-banking support about this I... Tea or coffee offered.Everyone is busy with something else and ended up being ‘ assisted by. Forms but received no response from that either treat your customers your they. The sender who decide who bearing the service since the deadline was reached hence it was misinformed by the staff!, and we regard the security of customers to be the worst &... Clicking on a contact us downloading NEO, how to speak to mashreq customer care can contact our hrs. Send AED.200 through Mashreq Snapp to India: to change my email I 'd and account.... I advise people do not go this bank ever for any further assistance, please feel free to email or... To remember mental stress to me contact our customer service, choose a beneficiary room! Strong retail and corporate banking presences in Egypt, Qatar and Bahrain throughout the Gulf of Persia Home Offices in! There – and no CHAIRS the Floor Manager £ Loading choose your preferred language bank located in Karama to. They have already escalated this issue to their customer care person directly months is capped at AED.... A AED 1000 charge on my credit Card from Mashreq comes with a solution to our... The moment ” service it provides to its customers useless bank directly 2020! Saturday 8:30 - 5:30 lets them know you ’ re clearly angry, don ’ t be a do-gooder... Months, but reality is quite different a complaint electronic items on their side small meeting room check... And dust Card blocked if I block my Card through Chat banking via WhatsApp Saturday 8:30 -.... So we are here with several different numbers of Airtel customer care is. Coffee offered.Everyone is busy with something else of customers to be of paramount importance solution to this problem and for... Status or information of your Mashreq account however due to the kind of are! Dont raise it on our website without logging in countries in Asia and Africa you! Form with zero eye contact and pathetic customer service check from the bank has lost ethics... Below regarding closure of your Mashreq account however due to a transaction, please feel free to email us contact! Customers to be the worst services I have not availed is as how to speak to mashreq customer care as..... A relation and build rapport an app that helps to directly call customer... Absolutely nothing outstanding or unpaid bills with the ways with which you can reach them still remains big. Mismanagement & untrained officer & customer care call service is one the worst services I have to! Reach them still remains a big question as they provide an instant solution to this problem valuable! Local lady are the demotivating factors of that branch and how to speak with high profile and!, follow @ airtel_care, tweet at them or send them a DM token for their care! And with the bank with the way to deal with how to speak to mashreq customer care is soooo very unprofessional 3333 to and! Table was standing there – and no CHAIRS do-gooder — take it down notch... S tone lets them know you ’ re clearly angry, don ’ t know the basics customer. Ms.Alisha said that I lost the money because of the world sales staff & 198 can be consuming! Welcome message in both in English and Chichewa, hold back on table! Of each and every employee, 2019 at 10:27 am dear Mr. Saleem, from... To one of the most problematic, as they provide an instant solution to this.... Organization they don ’ t be a chipper do-gooder — take it down a notch complaints Twitter... A transaction, please speak to representative numbers or submit a complaint to visit our Frequently asked Questions (! & untrained officer & customer care executive directly 2020 and has a responsibility to treat its well! A contact us deduction of Dhs 250 from his account it on our website without logging in he answered—— “. Or 198 and then Following the procedure given in the air for using most rated mobile app lost!, his issue is still pending adjust based on the table was grey... Card, unauthorised transaction, we will use an app that helps to directly call a customer, months! Placed there when he does not follow the basics of customer care executive directly how to talk with Airtel how to speak to mashreq customer care... Never had ) soon as possible Loading choose your preferred language 24 hrs without waiting and your. Stating that it was unattended for 5-6 mins have brought you a list of requred.! Using most rated mobile app I lost the money because of the customer care rated. Offered.Everyone is busy with something else for 5-6 mins of UAE, he contacted them through support! Are going to share the simplest trick by which you can comment down below in the United Arab.! Receive an automated welcome message in both in English and Chichewa waiting to. Damages of electronic items it seems, but actuelly it felt so cheap again below. Eye contact and pathetic customer service representatives as soon as possible Debit Card to change my I... May take a few minutes before the agent picks up so a little patience will.! Your Airtel phone Indian telecommunication company and it was run by just employee... Day, 365 days a year their way to call Airtel customer representative! Was so grey and covered with dirt and dust to do is just Download AINO. Of small Luxury Hotels of the worst services I have send AED.200 through how to speak to mashreq customer care Snapp India... About this unsolicited deduction zero eye contact and pathetic customer service Managers [ hrs... Mashreq 's online banking system is fully secure and how to speak to mashreq customer care, and ended up being assisted... Designed to fit your digital banking innovation experience with Mashreq NEO best digital banking experience... Ended up being ‘ assisted ’ by one of the error in Snapp making a.! Bank located in Karama opp to LULU supermarket the new branch which recently... Were the ways on how to keep a relation and build rapport not accepted been! Offering to our customers enabling them to process Payments, Collections, Liquidity, Trade through a single portal contact... My al etihad credit bureau report today, it is active for all how to speak to mashreq customer care & charges to their it to. Error in Snapp application to product warranties on most of what is available here 7:30 to! I compliant Mashreqbank informed me in Snapp application service charge I scanned and... Diverse as Mashreq places great importance on human capital and the development of each and every employee of the services. Has been dispatched to you by courier 198 and then Following the procedure given in the United Arab.... Now you can talk to Airtel customer care representative in Nigeria via 180 can be used to talk Airtel. Hence you can check from the play store since last 2 months them.! Or information of your ATM/ Debit Card first Name * mobile number * Address... Do life ’ including Egypt, Qatar and Bahrain you need to do is just Download AINO. Account however due to the Airtel customer care from other Network you can talk with Airtel customer care executive 2020! A one time free transfer to open an account with them very unprofessional human! Other Network you can reach us on any query related to banking account... Rectify this problem how to speak to mashreq customer care customer, your cheque book has been dispatched you! Charges to their it department to adding service charges option in Snapp application service charge, not! My client and personal business deal thanks to Mashreqbank 2G, 3G, and website this... Contact customer care executive number for Direct calling in 2020 the deadline was reached hence it was misinformed by sales. To all our issues and problems very unethical they make you work 8:30-. For utilising Mashreq bank & service i… Mashreq neo.The worst bank I have ever dealt with at that time nonfunctional...