I have a cosmos bank account in pune camp branch I started my savings over here because it is very close to my house and I heard that they provide good service but proved to be wrong in my case I had to pay for everything, from my debit card upto internet banking facilities everything was charged 200 rupees, these facilities are provided for free by other nationalized banks, the atm is also charged if we take money from other banks and it exceeds the limit then we are charged 20 rupees per transactions and the cosmos bank atms ate very less, so I would recommend you to open savings in any nationalized banks such as sbi bank if you need better charges for less amount.