Well Deepak very well said.The worst private sector bank is ICICI. Now they started charging for cash payment of Credit Crads.They charge for sign verification, they charge for Bank statement and they charge for everything u do with the bank. whereas the public sector bank say SBI is still offering the bset@cheapest charges or at no charges. If u will talk abt online baning, the msot secure is SBI & the worst is HDFC. In hdfc , once u logged in , u can transfer all mmoney to other account without any further authentications. This is not with other banks.