I have an sb account in Indian overseas bank.i had created this account before one Year. till now I have not faced any problem with this bank.the only problem is that if want to apply for the internet banking is is complex than any other bank.in other banks we can register to internet banking from our home.but in this bank if you try to register online to internet banking they will provide you a application which we have to submit to the bank.which is time consuming task even if it is safe. but we can purchase online through debit cards.even they provide nice service to the customers.thats all about it. I hope this helps. thank you.