Personal account can not be open in which Bank ?

You generally cannot open a personal bank account at a central bank (like the Reserve Bank of India or State Bank of Pakistan) because they regulate other banks, not the public, or at commercial banks if you have a poor banking history (like unpaid negative balances/fraud), lack proper ID, or if the entity (e.g., government body) isn't eligible for a standard personal account. Specific restrictions also exist for certain types of accounts or individuals, such as non-residents in Pakistan needing specialized accounts.