The bank is carrying out a thorough checking of personal data of potential loan-takers because numerous clients take part in the bank’s salary projects. The interest rate for the loans is quite high. When credit cards are emitted, the interest is lower, in comparison with other financial organizations. When the clients are served, the staff is trying to offer as many services as possible, and it can be quite irritating. For example, when I was receiving a debit card, I finally agreed to insure my life and apartment, and it is only one example. When you are paying for utility services and children’s education in the bank, you should pay a fee, and it can be high, up to two or even three percent. However, other banks don’t take any fee for payments of this kind.