Punjab national bank is the worst bank I have ever seen.my daughter had to get a refund of 50000 from one of the online shopping sites, its around 2 months till now she hasnt received the refund.the behaviour of the customer care executives is really worst.whenever she or I call to the customer care requesting to check the information regarding the refund they behave very rudely.i request pnb to kindly look into this matter.kindly improve your services.and I would never recommend anyone to open any account with this bank