I am an account holder with Saraswat co-operative bank since last 5 month. I have found their service much much better then the other co-operative and nationalized banks.
Recently they started with the DP services and very son they are going to introduce the Internet Banking also.
Even though it is a co-operative bank it can give good competition to the pvt sector banks, Foreign banks and the Nationalised bank the reason behind is their service and their advancement in the technology.