[Skunkworks] Banking Terms and Conditions

Do banks really have terms and conditions or do they make most of their "policies" up? So I went to one of the local banks, wont mention its name but its National Bank of Kenya. So my ATM expired last month and I happily went today morning to collect my ATM. Apparently I had to apply for a new ATM......yeah....what??? Say I have 80K and Im stranded somewhere with my National expired Bank ATM card.......so, they want to say, "We care enough not to give you atm card when you need it, but we want you to give us your money". Banks do come up with these "terms" and go out there sponsoring parks and seats (Co-op Bank Kenya), but they do not really make a person proud of being in that Bank. So Ive come to the conclusion, Go I&M and NIC FULLSTOP