This.

Counter/branch services seems to be ok.

Their other services are lacking.

I rarely go into a branch nowadays. I just sit on a chair, and do all my banking with a mouse. The last time I went to a branch was to replace my cards. Pin and pay thingy.

In fact, for a number of things I just set them up as "recurring" so I don't even have to do anything.

I don't quite like the mobile apps, I'm happy with a desktop and a mouse.

Even for things like FD promo which required you to go to a branch not long ago, now I just go click-click via FPX and it's done.

People in this forum with internet access still complain about branch service and call centres?

How many people still go to a branch for things they can do online?

Most of them should do, by now, I hope.

Public Bank used to have an "online FD" where you clicked on some buttons to "open" the FD. Then someone from the bank would ring you a few days later and say to collect your FD certificate in person from the branch. That's their version of "online". To be fair, that's a few years ago. I have not attempted their "online" since then.

But the real online FDs that I've used are RHB and HLB. Currently, HLB has a special rate of 4.2% for online FD via FPX (ie fresh funds)