I have been with universal merchant bank for about five years now. Even though I do not live in Ghana at the moment but I have internet banking with them and there is one of the workers at airport branch called Eric Tetteh and he has helped me a lot and he is still helping me. I will always recommend universal merchant bank for every Ghanaian, whether being it outside Ghana or in Ghana because they really understand the basic needs of their customers and they always show the actual skills and knowledge of being a customer service representative. Thank u for your lovely service, UMB ALL THE WAY!!!