I opened a account in sbi 7 years ago for a Educational Loan.But they wont give the loan without any securities.Then I continued the acoount even today but their attitude about common persons are not impressed.They charged lots of fines on ATM transactions.Atm machines are some times wont work.Internet Banking are usefull very fast and debit card also very good but they do not have expiry date.Phone Banking was confused all time overall you must go with any private banks it offers good service than this Govt undertaken Bank.