A salary account does not require you to maintain a minimum balance in your account at all times. At the end of each month, after the bank has processed your salary, you can withdraw almost the entire amount and you do not have to maintain a monthly balance. Even as you do this, the bank will just process your next salary without any condition, which means your account is operational regardless of the zero balance. Unlike other types of savings account, a salary account is one of the easiest to operate with zero balance: simply identify the website of a reliable bank and fill in your details to open an online account. Consider banks that offer zero balance accounts This depends on your location because not all banks offer such accounts. However, it is possible to find a bank that allows customers to open and operate online accounts with no balance. Before you open an online bank account, it is advisable to consult several banks and find out if you can meet their requirements before deciding for a bank that offers accounts with less stringent conditions. Just remember that while some banks require a low minimum balance to be maintained, others allow customers to open a zero-balance account. Remember to give the right information about yourself If you are opening an online bank account, it is important to provide relevant information about yourself and your account. Provide your real full name as well as a strong password. Giving the right information about yourself distinguishes your account from other account holders while a strong password protects your account from online hackers that are rampant in the banking industry. Approach different banks before you open an account When you want to come up with the ideal bank that offers zero balance account, it is advisable to shop around before opening an account. All banks have their own terms and conditions that customers must heed. For that reason, you need to identify a bank that offers conditions that you find manageable. Consider opening a specific category account You can choose to open a special category account which you can operate without maintaining a minimum balance. A typical example of a special category account is a salary account.