Zero balance account is the only best offer I had from Sbi.
For every problem you have to visit the base branch.
You have to stand in the que and will get any solution upfront. written applications still exists here. They are proper decentralised.only good thing is ATMs are available where ever you go. phone banking is still in the stone age. internet banking is user friendly but for only few banking activities. customer service is a big concern here.
