As per my experiance I am one of account holder of south indian bank. The bank provides excellent services for savings account holders like low minimum balance, free atm debit card, low dd payorder charges, free neft, very best service in banking sector I seen. Second service I liked south indian bank gold loan the best class gold loan I seen. The facilities provided by bank are quick processing, no processing charges, highest loan per gram compare to other banks, lowest interest, easy repayment. Use service once definatelly you go regularlly. Unmatched service.