If the banking officials are reading this news, can they let us know as to why they do this. They should clearly realize that this creates bad impression in the eyes of the customer. Be loyal and logical. Don't write terms and conditions in very fine letters. Why cheating. keep yourself in customer shoes and then think. Someday down the line, you too, can be in the same position. Then how will you feel about it. cases like this are very common and frequent. Please find out a concrete alternative to prevent them from happening.