IOB is the worst possible bank you can ever have an account with. I have an old account in IOB and whichever branch you go the staff is inefficient, laid back, unhelpful and they still have outdated systems. As recently as 10-15 days back whn this demonitisation prob started, I was standing in the que to deposit money in the bank and it was around 1.30 - 2pm the bank security guard locked up the door from inside, reason being staff its lunch time. We saw 3-4 huge lunch parcels being brought from hotel and it was shocking to see tht bank personnel were enjoying their lunch fr 30mts when the people were standing from early morning in the heat without water or food. On top of it the manager commented tht one cannot work on an empty stomach. Such is the attitude. Their ATMs too break down always, dont hv cash, their helpline too is not at all helpful.