With regard to alternate/electronic payment channels, the following issues have been flagged to us: ATM “out of order” board being utilised as a “cash management tool” particularly by outsourced entities in places like University campuses which record heavy footfalls. If you chose to ignore the sign you are often in for a pleasant experience of ATM actually working!
On site ATMs following the same opening and closing timings as the attached branch! Similarly there are several complaints regarding inordinate delays in crediting customer accounts and very poor or nil response from Customer Facilitation Centres. In many instances customer accounts are credited only after RBI takes up the matter directly with banks.