OCBC has many problems and we don't think they can improve after their replies came to and fro, nothing is done. Period. Very incompetent and full of frauds and dishonest practices..This bank should be banned for good otherwise very shameful to Singapore, surely bring its financial hub status down few grades. My advice to public is to record any conversation with your phones when dealing with the bank staff. They lie when things go south.. Wasted my family so much time dealing with this lousy bank Don't forget to record down all conversation when u deal with this unreliable bank when OCBC is well known here for the most unreliable bank