With availability of hundreds of banks it is tough to to choose a bank who will provide you good services and schemesbut finally I choose punjab national bank and opened student account of mine.it is not compulsory for me to have balance in my account. It will never get closed because I have zero balance account.they have also given me phone banking and internet banking service and it is helping me alot.i can make payment online and check my all old transactions. Their staff is also very cooperative and helpful.
Their main motive is to provide services to their customers not profit.even they are opening their branches in rural areas also and I am also benefited by this.I have my pnb student account in shimla rural.It is easy to find pnb atms and now they are also wasting their atm chain.I trust punjab national bank and will recommend everyone to have account in this bank.