This paper discusses the issues confronted by bank account holders on the usage of financial products and services in Vellore district, Tamil Nadu. A total of 385 respondents were considered as the sample for this study using simple random sampling. Through survey method, a questionnaire was used to collect data. Variables such as high transaction charges, lack of help desk, transaction timeout, un-transparent transaction charges, security concern and complex procedures were used in this study. It was found that high transaction charges and lack of help desk were found as major problems to use financial services. It was suggested that technology could be modified according to vulnerable such as old age, women and illiterate so that entire population will able to use financial services. © Serials Publications Pvt. Ltd.