I am with UBL
For Business I think Business Partner Plus is good
1) Free cheque book
2) Free Online transfer ( Same Bank )
3) ATM Master or Visa your choice
4) Net banking includes you can pay your bills , buy cellphone vouchers , donate and you can transfer funds as well and order cheque book atm as well
for personal account ( if you want saving account go for national saviing center other wise if you have large amount for saving account go for ubl uttip otherwise open simple Rupee Transactional Account ( RTA )