I have experienced around 2 years with SBI and now I am gonna to share my views on it :
1.phone banking : sorry friends I never used this service so I cant tell you about this but I am sure it will be also super like other services of SBI.
ATM service : the only thing for which I choose SBI as their ATM service is outstanding.
Internet banking : fantabulous my friends. Its easy and quick.
customer service : the only negative point or side I saw in SBI as its a very big service and thats why you can face problem while visiting to you branch.
Thanks.