@Tindu Mindu
I do not know about neither joint acc nor FD flexi type facilities.I am not they guy who keeps fund in FD since I am an active trader🙏
I heard Icici is the best for flexi fd scheme.Please contact other members who have been using that.
I am referring UBI/PNB just because of their strong servers,I've not faced any problems applying IPOS even on last day.If pnb netbank doesnt work one can apply through mobile app.simple yet the best service for me.Only catch in app is that you have to put DP Id everytime,there is no option for registering ASBA applicant as same as HDFC bank.
Server quality>branch services.
सर्वे भवन्तु सुखिनः, सर्वे सन्तु निरामयाः