I m a a/c holder of sbi bhowali nainital from last three years .i found easy transations with them as the complaints are prossed quickly the costomer service is best here as the staff are helpful in every step .newly the tocken system has started so no more waiting .i have a personal experience of taking lone for my educations with some necessary formalities in easy rates .net banking facility is also available .i do posses a global atm card of sbi .i found easy transactions here weather online or offline .a trusted name for me sbi