Went into AIB recently as we could not complete joint account process online, I think we had waited too long to confirm. Banker said we needed an appointment for this, and proceeded to pull out a large paper notepad/diary with the appointment times available. The paper system for appointments was a limit too far for me - I told both the banker and my wife that there was no way I was coming in again for such a basic admin that should be resolvable online, either solve it now or forget about it. It got solved.