I am a customer of PNB from 2014.I have a bank account of SBI also, but for the worst service of SBI, I opened a bank account with PNB.I am very happy customer of PNB, they really helpful and solve my all problems in a minute.
Neft, Rtgs, mobile banking, net banking, cheques, demand draft, insurance and many other services provided my PNB.The minimum account maintaining balance is also very low compared to other banks.
Their ATM are located almost in every city and their service is also well, they give 4% interests in savings account.They have many offers for Current account also.
So if u are thinking to open a bank account, I will suggest u to go for PNB.