I am using SBI Saving account from 9 years. It was my first saving account . I have very good experience with SBI . Its largest and best bank in India . You will get its ATM everywhere . Net Banking Service is also good. Phone banking service is also awesome . Net Banking and Phone banking is user friendly and secure . Customer service is average because of crowd but if you are using Debit card, Phone Banking and net banking . That does not matter to much . I am one of the satisfactory customer of State Bank of India. The most important thing is this is government bank so always security is there and technologically also secure.