I have been using state bank of india for some years now. It is one of the most popular and most dependable bank governed by government of india. This bank has wide number of customers as the minimum balance can be 0 or 500 which is affordable by a comman man or a middle class family. When I opened the savings bank account of initial deposit of Rs 500 they issued me with abank passbook, ATM card and I also registered for internet banking also. so they issued me the internet banking kid and they told that it will be activated within 1 week time. I have been using this bank account for transaction purposes. They used give loans also at very low interest rate.