I have been using their banking utilities over a year now. at first they charged less when the account had low balance. the people who are working in sbt doesnt care about other people.
security, they are more secure in transactions and netbanking. I have used their app and its useful. the only problem is additional charging fee. my other account had 0 balance, theyve charged 100 as a fine. why.
I reccomend to go for other banks