HDFC BANK is another name for dependability. I have been banking with them for the past two year. So far I have not had even a single instance where I have been dissapointed with their service. The Phone Banking simply stands out. With the click of button in the phone I have all the information about my account. I have about 4 hdfc ATM around the place so thats not a problem. I am overall very happy with their customer service and internet banking.