Banking experience in SBI is great due to various reasons like - zero balance account service, overdraft / loan on investments like recurring deposits / PPF accounts.The interest rate for RD and FD accounts are very good.Customer service may be quite hassling depending on the branch and location as it is a Public Sector Bank.But, nevertheless banking with SBI tends to be secure and user friendly.The ATM services are also good save the limit in number of withdrawal which is fixed.