It's advisable not to open a Select or higher variant account online. It's better to visit a branch in person as the employees there will be more willing to assist you in case any issues arise. Additionally, since you already have an existing relationship with them, that might be why you are encountering the error to visit the branch. Make sure to inform them about this error; otherwise, they might complicate matters by opening a new CIF for you.
The initial funding amount depends on the branch's location, typically ranging from 50k to 100k. The duration of the debit freeze will depend on how efficient your RM is in handling such matters. Hopefully, there won't be any complications when your account is opened. In my case, it took a little over 4 weeks and I am not saying it will take the same time for you, but if everything is in order typically it should take 3-4 days, but again it may vary depending on your issues. I hope this addresses all your questions.
