I had good experience with BOB too (by PSU standard).
I recently opened account in BOB and they required OTP from both Mobile number and email id. Took picture from tablet which triggered capture only if we blink an eye. They said it's to nullify bogus account opening. Had to fill physical form though but it was just basic. They noticed name mismatch in PAN and Adhar so they took initiative and gave PAN back and opened through Adhar only.