Most Safe and reliable banks are Govt banks like SBI.
I am customer of HDFC bank since 4 years. And extensively using the Netbanking. My personal feeling about this bank as below.
It is better than other bank like ICICI or Citi Bank.
Better security system on net, might cause problem while log in. But I feel its better for safety purpose.
Prompt response from Customer care or complain. Might you need to pay to visit their bank.
May not so too much fare on their deal as compare to Govt bank.
Avoid private banks specially when you are going to take
Credit Card
Personal Loan
Home loan.
If taking any service from bank one must read all Documents, term and condition before signing. And understood well and pros & cons. Most of the time Customer dont know the detail and takes the services hence later they face problem.