I have my pension account in Canara Bank. The service is very variable depending totally on the management staff there. My wife and I also have a joint 'power plus' account. Recently, my wife had asked for a cheque book but after a week she got a reply saying that since the older book was used less than 50%, issue of a fresh cheque book was refused. There are many flaws in this argument.
The first is that for increased security the bank is very finicky and even minor variations in the book lead to rejection. If a cheque gets bounced, we have to pay a heavy penalty and so very often before presenting a cheque at least 3 or 4 leaves are wasted. Since these do not come into the record of the bank, they stupidly argue that the book has not been used fully.
Secondly, for the power plus account they are supposed to give 200 leaves free every year and this results in the denial of our rights.
During the intense corona period I did not go to the bank but when I called the Chief Manager he was very rude; this inspite of the fact, considerable money was in the SB accounts of 3 members of our family.
Finally, when the power plus account was started (for which a running minimum balance of Rs one lakh has to be maintained), many services were offered free. But now, except for 200 cheque leaves per year and no transaction charges for money transfer, all other charges are levied. For example, quarterly charges for SMS and annual ATM charges. This is out right cheating.