I will never go with giants, they are cheater number one, I will go with IT and internet best solution with ease and care. I am using axis bank india http://www.axisbank.com/( very choice- I never visited them and in last ten years and still they serve me best, nothing in hidden charges or manupulation. Some time I just pick up phone sitting in Kuwait and thing is done. Here I uses Burgan bank yes till date no complaint in last 5 years.
This is how it works for me. No credit cards, no loan, no oerdraft, so no worry just sleep nice in the night. I keep cash at hand and at bank so nothing to worry.