• The Bank is the first among the Public Sector Banks to implement Core Banking Solution (CBS), way back in 2001. During the financial year 2007-2008, CBS was further consolidated and the overall CBS network of the Bank increased to 1829 branches/offices spread across 1033 centres and accounted for about 96% of the Bank's business.
  
  
• The CBS Project has enabled the Bank to deliver banking products and services over multiple delivery channels like networked ATMs, Telebanking, Internet Banking and Mobile Banking, so as to provide Anywhere Anytime Anyhow (AAA) banking service to customers. With the introduction of CBS, the Bank has transformed the Branch customers to Bank customers thereby achieving significant shift in customer preference from brick-and-mortar channel to 24x7 delivery channels.
  
  
  

• E-banking has been launched at 1915 Branches/Offices located in 1098 Centres across the country as on 05.11.2008.

  CBS BRANCHES - STATE-WISE [ A to H ]
  
  CBS BRANCHES - STATE-WISE [ J to K ]
  
  CBS BRANCHES - STATE-WISE [ L to Z ]
  
  CBS OFFICES - ALL STATES

ATM Network

• The Bank has rapidly expanded the ATM network considering the fact that ATMs have become the most acceptable delivery channels. As at the end of March 2008 the Bank has got a network of 1000 ATMs, spread across 519 centres.
  
  
  
• The Bank is a member of VISA International, which extends the usage reach of our ATM/Debit Card holders to over 28700 ATMs in the country and over 1.2 million ATMs across the globe. Our cardholders can also transact at Member Establishments (MEs) numbering over 3.5 lakhs in the country and over 2.84 crores across the globe.
  
  
  
• The Bank is also a founder member of the "CashTree" consortium with 5 other banks since 2003 formed with a view to extend the reach of the cardholders and to enhance customer convenience. Presently, 13 Banks are members of the network thereby increasing the total number of ATMs under the "CashTree" network to over 4300. The transaction fee of Rs.10/- charged by the consortium is the lowest in the industry. Click to know more about CASHTREE

Our e-banking customers can access 1044 of our ATMs at 540 centres that are on "Any Branch Banking" network. Pick your choice below for viewing state-wise latest list of our ATMs

LIST OF OUR ATMs - STATE-WISE [ A to J ]

LIST OF OUR ATMs - STATE-WISE [ K to O ]

LIST OF OUR ATMs - STATE-WISE [ P to Z ]

Internet Banking

• Internet Banking, which is emerging as an all-pervasive channel, is gaining acceptance amongst our clientele. The number of users has increased considerably. In addition to the basic services of account details, statement of accounts etc., the following services are provided to enhance customer service
  
  • e-ticketing for Railway ticket reservation
  • Utility Bill payment through Internet banking
  • Payment of Direct & Indirect Taxes - for both individuals and Corporates

Click here to know about TeleBanking , SMS Banking & Govt/RBI initiated projects

e-Banking related products and services

• The minimum monthly average balance in SB a/c to be maintained in e-banking branches is given below:
  
  
  

  Type of Account Rural/Semi-Urban Centres Urban/Metropolitan Centres SB General (with cheque facility) Rs.500/- Rs.500/- SB General (without cheque facility) Rs.100/- Rs.250/- SB Pension (with/without cheque facility) Nil Nil SB Staff Nil Nil Penalty for non-maintenance of minimum average balance in SB Rs.10/- pm Rs.30/- pm

  
   
  • Mimimum Average Balance to be maintained in Current A/cs in CBS Branches is : Rs. 10,000/-(Urban/Metropoliton) and Rs. 5,000/- (Rural/Semi-Urban).
    
    
  • Service charges are leviable if the minimum average balances in Current A/c in a month falls below the above limits at Rs.100/- p.m.
    
    
  • The business hours of e-banking branches will be uninterrupted from 10 A.M. to 4 P.M. on week days and from 10 A.M. to 1 P.M. on Saturdays
    
    
  • "Sweep out, Sweep in" facility in SB accounts that provides high liquidity and maximum earnings for SB customers.
    
    
  • Automatic overdraft facility to the extent of one month's net salary for SB customers whose pension/monthly salary is credited to the branch.

  Any Branch Banking Services:  [ ABB ]

• Any Branch Banking transactions at attractive rates are available to all CBS customers                   
• Free encashment of self cheques upcountry ( limits apply).
• Payment of "A/c Payee" crossed third party cheques upcountry
• Free acceptance of cash upcountry for credit of home branch account (limits apply)
• Issue of DD/TT/MT from any CBS Branch by debit to home branch account at no additional cost (minimum charges apply)
• Funds transfer between any two CBS Branches
• Deposit of cheques for collection upcountry for credit to home branch account
• Stop Payment instructions/Statement of Account/ standing instructions etc., from any CBS Branch. 

Our Premium Products in Savings Bank A/cs under e-Banking

• Premium Savings Account
  
  
• Special Premium Savings Account

Our Special Products in Current /SB A/cs under e-Banking

We offer Multi-City Cheque facility together with a package of concessional facilities in our Multi-City Current and SB Schemes. For details click on the links below

• SyndSilver Current Account 
  
  
• SyndPlatinum Current Account 
  
  
• Synd Flexi Current Account 
  
  
• Multi-City SB Account

Overdraft/Cash Credit A/c @ e-Banking Branches :