Hello friends! I am operrating a saving account in HDFC Bank from last 5 years. First thigh that I would like to tell you that you have to maintain minimum average balance of Rs 10000 monthly in your account if you want to avoid minimum balance penalty(in nationalized banks this limit is very low). its phone banking service is very good. We can do a lots of work through its phone banking and it is very easy to understand. And friends if we talk about its ATM availability.
it is widely available in urban and semi urban areas but in rural areas it’s availability is very poor. It’s internet banking offers a lots of good things like you can open RD and FD through your internet banking. you can also apply for Credit card and can also update your mailing address through your internet banking. But friends its customer service is very poor.
There is a lot of need for the improvement in customer services. Friends . personaly I do recommend HDFC Bank because now a days there are many other banks(nationalized as well as private also) which are offering very good services as compared to HDFC Bank.