Also no one is talking about Kotak. Why so?
I think Banks having 3-1 accounts are ok...for some reasons.
I have 4-1 account in HDFC bank. Excellent performance. Although expensive.
1. the funds transfer are seamless, fast. Money held reserved for transactions in the morning is credited in account in the evening automatically.
2. high transparency.
3. no fraud in transactions.
4. Tips although being charged are 90 % ok and useful.