Stokvel account not user friendly

The bank's Stokvel account is no longer user friendly. They are now requesting/forcing that signatories should have an app to approve transections. This forcefully requires that members (signatories) should open an account with the bank. One of the biggest issue is that the individual account of signatories should be active (either by deposits of money or so). This is pushing our Stokvel to look for another user friendly bank to accommodate the needs of savers. Their request is uncalled for, i still am failing to understand why the management took such a decision.