I have an account to this bank. This banks work speed is too slow. If you want something then you have to wait a lot. I want my atmncard but they dont provide it toe. They told first submit pan card and then apply for atm card. But I have an account on SBI bank. They never ask me for pan card as I am a student. So if you are student and you need a bank account the SBI might be better for you. Dont open an account kn this bank. It creats problem for you