There is no time to delay the issue of Agricultural Bank.

You are not talking about online banking, but about the account dynamic SMS reminder service. The service of ABC is not flattering, please see the detailed experience of friends below.

Is there a discriminatory hidden "hidden rule" in handling debit cards in Shenzhen Branch of Agricultural Bank of China?

I have heard that the service of Agricultural Bank is poor before, but I have never experienced it or done business in Agricultural Bank. The services of Ping An, Minsheng, ICBC, Bank of Communications, Bank of China and other banks are quite good (I have done business in these banks, and other banks are not very clear), so there is a lot of choice, so I have never had the opportunity to go to ABC to experience it. I can't open a debit card account in ABC recently (wages are paid in ABC, and I really can't figure out why the company pays wages in ABC). I really feel the "junk service" of ABC, which hides a lot of "hidden rules", which seriously damages the interests of ordinary people and seriously deviates from the advertising slogan of "grow with you" of ABC. The following is my experience in opening a card at the Agricultural Bank of China for your reference and to resist the spread of unhealthy practices.

This time, I went to six branches to open the card, and finally, under the protection of "hidden rules", I successfully handled it. The process is as follows:

1, Fenghuang Sub-branch (Shop No.2, China Phoenix Building, No.2008, Shennan Avenue, Futian District, Shenzhen 10 1, 103, tel: 0755-8279257 1. When I went in, there was no guidance from any bank staff. The security guard asked me what business I did, and I said to open a salary card. The security guard asked me to fill out the form, and I filled it out according to the form, ready to handle it. The security guard took my list and said that in order to open a card, you must open online banking, super mobile phones and other supporting electronic services such as KBao, and the cost is *** 105 yuan (which should be pre-stored in 50 yuan, deducting the production cost in 5 yuan, and the rest is the supporting electronic service cost in 55 yuan). I said that there is no such rule in the banking industry. Other banks charge 5 yuan production fee for card opening, and deposit the annual fee 10 yuan. Other auxiliary functions are only recommended and not mandatory. The security guard said that this is the rule of our branch, otherwise we can't open the card. In doubt, I asked the bank clerk (female) who was handling business at the counter. The man said impatiently, Our branch is a pilot bank. If you want to open a card, you must open these ancillary businesses, otherwise you can't open a card. This is a superior rule. You can call 95599 for consultation. Other branches may not have this requirement, so 15 yuan can open a card. It is not clear which branch can handle it. From the later experience, we can see that this explanation is perfunctory to customers, just to collect more money, while you provide better service. I believe I really left. I thought it was okay to go to other branches, but it was just trouble.

2. Agricultural Bank near Shenzhen Stock Exchange, opposite Trust-Mart (forget what branch it is). 20 10 at 3 o'clock in the afternoon on August 27th, I went to open the card. One of the staff (female) said that I couldn't get a card today. She asked another staff member uncertainly if she could do it. The other party said it couldn't be done, and the card was finished. This time it's in vain. I thought to myself: it's so unlucky, but it's ok to go back to Nanshan. After all, the above two places belong to prosperous areas, which may be the differentiated business planning of banks and may be aimed at high-end customers. Comfort yourself! ! ! There is still a glimmer of hope for ABC.

3.2065438+00 On September 4th, the Agricultural Bank of China, opposite the Rainbow Shopping Mall near Nanshan Hospital, was not completed due to the suspension of bank renovation.

4.20 10 September 4th, Nanxin Road Agricultural Bank, about 3 pm. The staff said that the card was finished today, and it was finished on 10 in the morning. I will not go to work tomorrow. I suggest going to Nanshan Sub-branch of Agricultural Bank of Shandong Building tomorrow.

5. I went to Nanshan Sub-branch of Agricultural Bank of Shandong Building at 9: 00 the next day (September 5th), but the bank hasn't opened yet (10 started to work, later than other banks). A security guard was there, asking him about the situation. The security guard said: we need 105 yuan to open the card here, and we must open the auxiliary functions such as online banking, otherwise we can't open the card. I asked Wang Hai Building, isn't there a branch (Agricultural Bank of China Wang Hai Branch) downstairs? Is this the same rule? The security guard said that they don't open ordinary cards there and may not go to work today. Then I went to Wanghai Sub-branch and asked the security guard there. I really don't go to work today.

Then call 95599 for consultation. The customer service staff who accepted the consultation said that Shenzhen Branch of Agricultural Bank of China did not stipulate that online banking, super mobile phones and other supporting electronic services such as KBao must be opened for card opening. If you really don't need this kind of business, you can directly consult the business managers of various outlets or open a card. I think since Shenzhen Branch doesn't have this overlord rule, it's ok to go to Nanshan Sub-branch of Shandong Building.

6. (This part of the experience is the most irritating) Then I went back to Nanshan Sub-branch of Shandong Agricultural Bank Building. At this time, it is a little over 10, and the number has reached more than 30. There are already many customers, and many customers also want to open cards. However, the security guard in the lobby and several staff members said that the card could not be opened today, and the computer for "checking ID cards online" was broken, which was really speechless. Several customers said that they had already opened three or four cards, and they were very excited. But the staff said, don't worry with me. You look for the leader, I just work. What's the use of rushing with me, or I can't open it for you. Look at this attitude. Still, it makes sense. Perhaps this is the service style of the Agricultural Bank of China, and perhaps employees have deep grievances against the Agricultural Bank and have nowhere to vent. Maybe the pressure of business assessment is too great. Hmm. How interesting

However, after observing there for a long time, I found that some customers can still open cards, all of which have been verified by the bank resident staff of China Merchants Securities (a woman is about forty or fifty years old) on the Internet. I think since others can open it, I should be able to open it through a regular business window. I waited with my queue number. When my number was called, I went to the window to handle it. The business manager at the counter said that I can't open a card for you without ID card verification results and personal information. Dizzy I asked, where to check, why some can check, and some don't open the card for verification. The employee said, don't ask me, ask the lobby (but there is no lobby manager in the lobby, only a resident of China Merchants Securities and China Everbright Securities, a securities consultant and two security guards. They say they can't open a card, but they can actually open a card through the stagnation point of China Merchants Securities. How do you explain this? She said she didn't know. I was just working at that time, only responsible for opening cards, regardless of verification. I am speechless. The bank staff doesn't know. What should I do? It's not true that you can't open the card.

At this point, I really couldn't stand it and lost my temper. But no one paid attention to me, and no bank staff came out to explain. I can't help it We are all civilized people. Subsequently, with the help of the resident staff of China Merchants Securities Bank, the debit card of Agricultural Bank was successfully opened (only 5 yuan was charged for the work fee, and it was deposited in 50 yuan).

After completing the card, I got the information from the business manager of the VIP area of Nanshan Branch of Agricultural Bank of China. That person (later, she said that she was not a business manager, but a Sino-Life) said that subsidiary businesses such as online banking must be opened in Nanshan Sub-branch, and 105 yuan (55 yuan handling fee, deposited in 50 yuan) should be paid in advance, which is the regulation of Nanshan Sub-branch. I said, I called 95599 for consultation, and Shenzhen Branch did not have such a regulation, but she actually said that Shenzhen Branch could not manage the following business activities. I am really speechless.

Some revelations and statements:

1. The branch management of Shenzhen Branch of Agricultural Bank of China is very chaotic. Whether the staff in the bank are employees of ABC or not, their words must be acquiesced by ABC. They have the same interests. However, I think that this management method has deepened the public's aversion to ABC;

2. ABC is so arrogant, so overbearing and its service is so poor. Please choose carefully.

3. In Shenzhen, a materialistic society, the service attitude of the banking industry is indeed inferior to that of the mainland;

4. Some friends may not agree after seeing it, but please put yourself in the other person's shoes.

5. This article is only a true description of personal experience in handling cards, without any false elements, nor does it mean to denigrate any bank or individual. Please don't sit in the right position.