I visited PTSB "By Appointment" this morning to open a fixed term account. It took approx 30 mins (I have other long standing deposit accounts with PTSB so was already a customer on their system). Vast quantity of paperwork generated. Usual time wasting around "system is very slow this morning", "my printer isn't working I'll have to use X's one" etc. Had the account open and the IBAN allocated by the time I was leaving. Got the usual "are you ok for a mortgage", "would you be interested in paying Irish Life loads of commission" stuff which I put to bed before it started. Overall the salesperson was courteous and efficient. I'd still rather have just clicked a few buttons on my Mac and opened this in the comfort of my own home.