I visited the HDFC bank branch in Manipal on August 23rd 2021. I informed I wished to open a current account and was carrying all the necessary documents as per their website. This is when they informed that I had to give a cheque from another bank account in order to avail their account opening service.
To this I disclosed that I did not hold a cheque book facility from my primary banker though I do have a SBCHQ-CSA because it was a paid facility and I never required a cheque book so far. To this they replied that I could have my father or husband to offer their cheque book so that I could avail an account with HDFC.
To me, this option I was surely not interested because I am a tax paying, salaried women with financial independency and security who could maintain their minimum balance required which is max upto Rs.25000/-
After my disappointing experience with the HDFC Manipal Branch I sent an e-mail dated August 30, 2021 to their customer service. In response to that I received a call from a lady (name withheld) and told that the cheque requirement was mandatory to fulfill my KYC requirement. She also added she waited an entire day to respond to me since she wanted clearance and confirmation of the cheque requirement from her superiors as well. She was more interested to know who my employer was than resolving my issue. She concluded the discussion by saying that someone superior (informed a name, but withheld) to her would contact me which never happened.
In a time when PMJDY is promising account opening facility to all eligible adults in India, I have faced this bitter experience from a leading Private Bank in India. I hope to get my request resolved. Was this information helpful? | 
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