Very good bank as seen through customer point of view. It allow many access to the user such as you can transfer money to other punjab national bank using your ATM card.It also offers good interest on your savings money.Its debit card is very good almost working at all stores and sites. You can use its debit card to cut ticket through irctc and also use on various shopping sites.
I also use this bank card to pay bill on some stores like kfc.Its Atm service is also very good .