Recently, I went with my sister to Maybank to open a joint account. The first checkpoint was the counter at front. The officer noticed that our addresses aren't the same in our ICs (which shouldn't be a surprise for adults!) and, in response to her question, we didn't bring our birth certs (whoever had thought of that?) She was doubtful whethere we would be allowed to open a joint account (huh?) but nevertheless she let us try out luck. We were surprsied and I remarked that previously, I had no problem opening a joint account with my mum. She said (something like this), "Maybe previously it was possible but now maybe not. Still, I let you try". Now, that, to me, was already a reasonable response (regulations/SOPs do change overtime) and it put her in a good light because, instead of saying no, she was letting us try our luck. However, she ruined it by saying, "If you don't want to give to me (your business), I'm fine with it." and gave us a rathe...