I had opened my account with punjab national bank. PNB is second largest bank than sbi in india.the charges for opening account and form submitted were easy and effective.they issed me passbook, debit card immediately and netbanking after 24 hours.
The personalized debit card came to me after 15days and cheque book also took 15 days to be delivered to me. I have two debit cards in cost of one. Pnb has its customer care toll free number which is the best thing of pnb. We can call anytime to customer care which other banks do not provide. The services charges are also less than others. So its very good bank .
The problem is with atm cashwithdraw limit which is 25k limited but other banks have 45k. Otherwise best bank.