I am using state bank of india for 10 years and my overall experience is very good in respect of service. No doubt they are big money lender. Net banking experience is awsome. Site design is very good even a layman can operate net banking . They have the highest branches in india and overseas. Since they are providing there service to the crores of customer some time they get frustrated. For this sbi has opened many atm in which any one can deposit or withdrawl cash without any problem. So guyes open your account and get better service like private banks