Bank Of India very bad transaction experience

Today i had to pay bill to doctor for my new born baby boy for descharge from the end time payment failed .and i was shocked.when i went for atm ,atms were bank is very far from hospital.due to this i had to suffer a normal life its ok for such problems.but at serious issues when its a questiin of deaths and lives what should a person do in emergency Thanks
Yagnesh ninama

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