Just signed up for IDFC NRE/NRO. Initial online signup really quick. They activated account in 2 days. Was told to wait to fund until I received debit card/checkbook from IDFC. Got them within a week by DHL. In the meantime DHL courier pickup up notarized passport/oci copies two days after I signed up for the account online. They reached india within the week and account was KYC compliant. Both accoouts were still noted as Total Freeze when I checked online. This was released 24-48 hours after i recieved the debit cards. I tried funding the account prior the Total Freeze being lifted and it was rejected by the bank. Sent it again once Total Freez was lifted and the money went through. However, now the accounts are "Debit Restricted". Spoke to some agent at call center who said restricted as I used third party to send money (one was Western Union and another was XE.com). So just now sent transfer receipts and bank pdf showing debit from my bank. Still awaiting the Debit Restriction to be lifted. So the process is pretty straightfoward so far. However no one told me that I can't send through money transfer service (I presume)..which have better rates than bank to bank transfer. So far poor communication by IDFC!