HDFC Bank - In the name of customer service!

Had a chance to visit the nearest HDFC bank, got to see their customer service from close quarters:)

Take their savings account for instance:

• First up, I just got to know that excess savings in the SA account can actually be swept in and out into a 1 yr TD w/o any hassle! vaguely remember my ex-boss mentioning a facility like this
• We ask the CSR person there a few questions, here's the gist:
• What's the minimum balance above which you can sweep in/out?
• 1 lac !!!! (vs a PSU banks where it is hardly INR 10,000 and can be as low as INR 500)
• Do you educate the customer about this option?
• 32 teeth glaring:)
• Do you have the flexibility to fix the amount that can be swept in?
• Sir, you are asking too many good Qs. Where do you work?

This things holistically are good for investors/bank i.e. high CASA balances translating to better NIMs translating to better RoEs...Isn't customer one of the stake holder though?