I first opened a Suvida account with citibank almost four years back in B’lore. Banking with them felt like a fresh breeze, it’s so different from the other banks. Since then I have hopped around from B’lore to Delhi, UK and now USA but still maintain my account with them and use it seamlessly over the net. There internet banking has evolved over the years and is far better now and I have found it to be up most of the time. Never had any problem with the ATM and their customer service. The only problem I noticed was the delay in crediting my account with cheques I deposited. The delay is specially significant in case the cheque amount is large. Though I highly recommend their service and suggest that it’s one of the best in India but will still like to chip in that the service still lags far behind the service provided by banks overseas.