Opening an account with United Commercial Bank Limited (UCB) was entirely unplanned. However, this experience goes back four years. At that time, I was primarily using a Citi Bank American Express credit card. The area where I lived due to my job did not have a Citi Bank branch. For a long time, I had been conducting transactions through a CRM of Islami Bank Bangladesh Limited. Recently, after a dispute over an unexpected charge deducted from my Islami Bank account with some branch officials, I developed a rather negative perception of them. Since that incident, I have felt uncomfortable using their services. However, this is purely my personal opinion, and I am not intentionally speaking ill of any bank.
In that area, besides Islami Bank, the only other bank with a CRM machine was United Commercial Bank. This sparked my curiosity, and I visited their website. From there, I confirmed that their internet banking channel supports NPSB, BFTN, and RTGS fund transfer systems, which were exactly what I needed because I needed to transfer money from Citi Bank, and these facilities were essential for me.
There was a branch of the bank in the area, but upon further research, I found that they had a full branch in my own district. So, I decided to open the account there. I collected the phone numbers of the branch manager and operations manager from the website. I first called the operations manager. It was outside office hours, so I thought he might not answer, but to my surprise, he did pick up the phone. I informed him that I wanted to open a personal account, and he patiently and politely explained everything to me, assuring me of full assistance.
Following that, I visited the Manikganj branch of United Commercial Bank the next day. When I asked for the operations manager, the security guard told me that the manager had not yet arrived at the office and asked me to wait. Since it was during the COVID-19 period, I waited outside the bank. Once he arrived, I called him, and he came out, greeted me at the gate, and took me to his desk, where he started the process of opening my account after taking all my necessary information.
The operations manager provided me with clear and open information about how I could conduct more transactions, how to smoothly open a bank account, and which account would be best for me. I was truly impressed by his behavior as a banker. This was especially meaningful to me since I had recently had a bitter experience with another bank and was now opening an account at a different bank. The courteous behavior I received here really left a positive impact.
As a freelancer and former e-commerce entrepreneur, I had several discussions with him during our coffee breaks, where he showed interest in learning more about the information and technology industry. We had a long, personal discussion on these topics. Personally, he is a very respectable person, and he quickly completed the account opening process. When I left the branch, he escorted me to the gate.
I opened my account on August 5, 2021, and on August 17, I received my debit card and checkbook. During this period, I contacted him through phone and text messages for various official and unofficial reasons. Despite this, I never sensed any irritation from him.
Even when I collected my debit card and checkbook, we had a pleasant conversation. If the relationship between a banker and a customer is like this, I don't think any customer would harbor resentment toward the bank.
It is natural that banks can't always provide complete services to all customers, but nearly all banks strive to deliver the best quality service. In this regard, I believe it is only right for me to give a special thank you to the operations manager of this branch as a gesture of gratitude for his exceptional service.
Feedback by
SHAIK MD SHAMIM HASAN
LinkedIn: linkedin.com/in/staywithshamim
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