First of all I want to say that it have worst internet banking service. Some employees in the pnb bank don’t have manner how to talk with peoples. Pnb have no proper customer service to help customer or account holder. There is alway trouble to transfer fund or doing payment online with pnb net banking. ATM of pnb bank is very less and they are generally always have no cash in it or not in working condition. Banking in pnb is not easy. All the process of banking in pnb is slow and more time consuming.