By Admin 
Salary Account Benefits: Be it government or private, employees get salary every month. Like every other account, it also has many features, but sometimes due to lack of correct information, people are not able to take proper advantage of it. Nowadays banks provide different types of salary accounts like Classic Salary Account, Wealth Salary Account, Basic Savings Bank Deposit (BSBD) Salary Account, and Defense Salary Account. Today, through this news, we are going to tell you about some surprising benefits of salary account so that you can also take advantage of them in future.
Zero balance facility: The biggest advantage of salary account is that you do not need to maintain minimum balance in it. Even if the balance of your salary account is zero, there is no penalty on it. . This facility is not available in regular savings account.
Free Digital Transactions: Online transfer services like NEFT, RTGS, and often IMPS are free for salary account holders. With this you can easily transfer money without any extra charges.
Overdraft facility: Overdraft facility means that even if the account balance is exhausted, you can withdraw money up to a certain limit. This facility is very useful in sudden need or emergency. However, for this your CIBIL score should be above 700-750. For this, you can choose the option of ‘Overdraft against Salary’ using net banking or mobile banking.
Free Debit Card and Checkbook: Most banks provide free debit card and check book with salary account. There is no separate charge for this, whereas in regular account there may be a fee for these services.
Free Credit Card Offers: Many banks offer free or low fee credit cards to salary account holders. These provide benefits like reward points, cashback and exemption in annual fees.
Insurance Coverage: Some salary accounts also include accidental death insurance or health insurance benefits. It works like an extra safety net, for which you do not have to pay any separate premium.
Cheap and easy loan: Having a salary account makes it easier to take a personal loan, home loan or car loan. Banks trust salary account holders more and often give loans at lower interest rates.
Priority Banking Services: Banks often provide priority services to their customers for high salary accounts. This may include special counters, relationship managers and faster service.
Free ATM Transactions: Generally, a certain number of free ATM transactions are available every month in a salary account. With this you can withdraw money without any extra charge.
Shopping and Dining Offers: Salary account holders get special discounts and cashback offers on online shopping, food apps and restaurants, which can help in reducing daily expenses.
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