I would suggest everyone must have an account in state bank of india as where ever you go in india the one bank which will find easily is state bank of india. As it is a government owns bank some facility are poor somewhat. But all other features in internet banking is very good and latest. ATM availability is quite good all across india and easily located. Phone banking is also good and very easy to use . I also use there demat facility and that is very good and very user friendly. Customer care executive are quite supportive. I am very much satisfied by its service.: -)