@Tony - My reasons exactly for using StanChart, and on top of that, I can negotiate interest rates on loans when the whole world is paying 25%<div><br></div><div>./Ok3ch<br><br><div class="gmail_quote">On Thu, Nov 24, 2011 at 6:11 PM, Tony Likhanga <span dir="ltr">&lt;<a href="mailto:tlikhanga@gmail.com">tlikhanga@gmail.com</a>&gt;</span> wrote:<br>
<blockquote class="gmail_quote" style="margin:0 0 0 .8ex;border-left:1px #ccc solid;padding-left:1ex;"><div class="im"><div style="color:rgb(0,0,153)" class="gmail_quote"><font size="1"><i>2011/11/23 Boniface <span dir="ltr">&lt;<a href="mailto:mboteb@gmail.com" target="_blank">mboteb@gmail.com</a>&gt;</span><br>
</i></font><blockquote class="gmail_quote" style="margin:0pt 0pt 0pt 0.8ex;border-left:1px solid rgb(204,204,204);padding-left:1ex">
<font size="1"><i>Signatures may be irritating but not as much as getting deducted 950Kshs by Stanchart every month for a transaction that did not go through. Its makes it even worse when they try to explain that the transaction overdrew your account by 13 shillings which causes the charge. I eventually threw the ATM card in a pit latrine and closed the account. As for Coop I find them quite convenient though my life would be better with a few changes.<br>

<br></i>
</font></blockquote></div><br></div>Boniface, now that you mentioned Stanchart on a Co-op thread <img goomoji="330" style="margin:0pt 0.2ex;vertical-align:middle" src="cid:330@goomoji.gmail">, allow me to share my thoughts.<br>

Methinks that yours was a typical case of &quot;RTFM + Wrong tool for the wrong job&quot;.<br><br>I&#39;ve been on Stanchart (and KCB) for as long as I can remember.<br>I opted for the 950/= flat rate Stanchart account in tandem with my needs &amp; I can&#39;t complain about value for money.<br>

I agree they have harsh penalties for flimsy mistakes; but  heck, that&#39;s well spelt out in their brochure (available online).<br><br>My personal reasons for sticking with them are:<br>- Excellent online transaction portal - I repeatedly use this from whichever corner of the globe I may be in. I&#39;ve never had any issue with foreign account transactions.<br>

- Good linkage between Account &amp; Credit card. - No horror stories about overdue card payments.<br>- Countless standing orders regardless of the receiving bank.<br>- Wide acceptability of the Debit Card. - I was shocked to learn that my colleagues&#39; VISA card (form a different bank) had restrictions in one country in the Middle-East. I&#39;d always thought VISA  was VISA <img goomoji="32B" style="margin:0pt 0.2ex;vertical-align:middle" src="cid:32B@goomoji.gmail"><br>

- Responsive customer care. It works wonders if you cc your Bank manager in those sorts of correspondences.<br><br>All in all : It pays to match a tool with the task. Good to note that Co-op comes close to that in your case. <img goomoji="517" style="margin:0pt 0.2ex;vertical-align:middle" src="cid:517@goomoji.gmail"><img goomoji="517" style="margin:0pt 0.2ex;vertical-align:middle" src="cid:517@goomoji.gmail"><br>
<font color="#888888">
<br>Tony.<br><br><br>
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