With my experience the sbi bank need for indian people. I m using an account of last 8 years and I m totally happy with all services. and staff those are working there. I have seen some times peoples are not like service in the branch but I think they have lots of work in branch. that by some times it happened. they have lunched some new and easy work process for all banker like sbi mobile banking, net banking, insurance in small premium. I m requesting to sbi bankers please be cool talk with staff they will helps you.