Hi, i am sbi account holder from 2 years. I am very happy to have sbi account.it has more facilities from other bank.its phone banking service help us to monitor our account anytime, anywhere.its ATM availability is very nice.they accept all types of cards, master card, visa etc.internet banking is good we can recharge and pay money anyone from sbi official site. customer service is good. the bottom line is SBI is the best bank of India.they have many branches in every state of india.