Customer Service is Low

Initial service was great but is it dwindling with time? If the bank employes are not resolving your queries within mentioned time frame, branch ATMs are in poor condition and if the employees are not customer friendly, then it is time to move on.

If you find any such issue or similar things before jumping to other banks, first speak to branch manager and mention the issues you are facing. He/She may be able to help you and provide you with other better options.

Even after repeated complaints you are still facing same issues, then move on.

Interest Rates are High

If you are stuck with high interest rates on loan find out what other banks are offering for your tenure and amount. Don't stick to your bank just because you have a loan account. Better to transfer your loan account so that you save money.

Fees Charged are high

Banks commonly charge fees, and it may differ from banks to banks depending on the transaction. If you feel that fees charged by your bank is much higher than fees charged by other banks. Check if the services offered by other banks are free and alone your bank is charging.

Lack of Features

If your bank has less features such as online facilities, Bill pay, mobile app and you are comfortable with online banking and wants to avoid visiting banks then move on.

Lack of ATMs and Branches

If your bank branches and ATMs are less, you better change your bank as visiting other banks ATM will cost you every time you withdraw. Before moving on check on the company site for ATMs available.

Move On

Move on if your bank is reluctant on offering service and inspite of you being long-time clients. If your repeated complaints does not work, you know what is better for you. Well it is hard when it comes to changing bank but after all it is your money, your convenience should be top priority