I have no idea about the forms I filled out to open a bank account, but I have a debit/credit card. I am used to passing money over to deposit when opening a new account, but here you have to wait for 7 days to be approved and then you are officially good to go. When my security device arrived (for Internet banking) I could not remember the password I had set up. So, I did the usual password request email, completed the process and then got a message telling me that I had to print the confirmation off and bring it into the branch for verification!!!!