A better bank than an hdfc.

I really liked hdfc but it has become notorious. I have only finished college, and it is impossible to maintain a balance of 5k to avoid AMB charges.

But today, I was met with several ACH debit returns something which I am assuming is due to failed SIPs. But this is something I never noticed before. Nor it is showing in my previous statements... but I lost around 4k due to this. I was supposed to spend this whole month with that.