I am Using SBI since 2010 . Its service is always excellent .
I use net banking, debit card .
you can open account on 0 rs . I have opened this account on 0 Rs .
There is no problem in transfering funds, from one account to another .
Net banking is very simple . it will give you all the details of its products .
Phone banking OK . I dont use it properly . but its ok .
ATM availablity is always incredible .
Internet Banking is amazing . most secure and authentic .
Customer service is very active .
Only thing I dont like is that their account section people, they open account very late . they will tell you to wait for 7-15 days to open account . which sucks only .
Rest is awesome .