Top in WORST banks! Snobbish, unethical and incompetant branch staffs. First, I am a customer but I was left feeling that I need to beg them to approve the opening of my account. Totally under informed and not trained to deal with expats and only follows so-called "Protocol/Database" that varies in the hands of different banking advisors at different branches. Poorly treated with unwelcoming attitute by a Personal Banking Advisor named "Loreta Cirkova" that raise her voice and telling me "Your are not listening Sir" when I am trying clarify the required documents that I was told sufficient proof for bank opening by the advisor over the telephone but declined in branch. FYI, the amount of my income tax alone is definately worth more than your monthly income. My housing rental is worth more than what you can afford for monthly dispoble. SORRY you just lost my business! But I must give credit to their friendly telephone-line advisor which I have to give credit for their patient and effort to understand my situation as an expat whom just relocated and in need to start a bank.