My PPF account is in SBI which was opened way back in 2008. Few times in a year I have to do in cheque payments because it is required so for documentation purpose or the other person does not accept digital payments. Or when I want to make a payment at a future date, I use cheque. My salary account is also in SBI because it gives me extra privileges as corporate salary account. I have joint accounts with my parents as well. So there are many reasons I can’t discard the SBI account. But what’s interesting is it is almost dormant. Once salary hits my SBI account, I transfer it to Digibank. So all day to day transactions happen through the Digibank account. While I continue getting privileges of SBI salary account.
Regarding the charges for Digibank debit card, so I think I had opened the account during some offer period, do I am not charged annually.