Being a nationalised Govt bank the servicing may not be timely, but the bank do maintain 100% loyalty with the customers.
Means they do not have any hidden terms and conditions and charges any where. Best thing is they need not have to do marketing every where with third party to create the accounts in bank. In most of the rural areas the give facility to open account with zero balance which more than 50, 000 to 1 lakh in case of the private banks.
As SBI has branches every where in India especially all the middle level villages, we can reach the bank easily for any kind of concerns and issues. Each and every condition is well defined in the website of the bank very very clearly.