By Admin 
Most people use salary account like a normal bank account. They think that its job is just to take and spend salary. However, the truth is that a salary account brings with it many extra benefits, which banks often do not disclose openly. Today, banks offer different types of salary accounts, such as Classic Salary Account, Wealth Salary Account, Basic Savings Bank Deposit (BSBD) Salary Account and Defense Salary Account.
Every account has its own different benefits and facilities, but due to lack of information, most people are not able to take full advantage of these benefits. If your salary comes every month, then it is very important for you to know what else your salary account can do for you. So let us know 10 extra benefits of salary account, which can make your financial life better.
1. Zero balance account facility – The biggest advantage of salary account is that you do not need to maintain minimum balance in it. Even if there is 0 balance in the account, the bank does not impose any penalty, this facility is not available in ordinary savings accounts.
2. Overdraft facility – Overdraft facility is provided in many salary accounts. This means that even if the balance in the account runs out, you can still withdraw money up to the prescribed limit. This facility is very useful in case of sudden need or emergency.
3. 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 sometimes offer loans at low interest rates.
4. Free Debit Card and Check Book – Most banks provide free debit card and check book with salary account. No separate charge is taken for this, whereas a fee may be charged for this in a normal account.
5. Free Digital Transactions – Online transfer services like NEFT, RTGS and sometimes IMPS are free in salary accounts. With this you can easily transfer money without any extra expense.
6. 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.
7. Insurance Coverage – With some salary accounts, the benefit of accidental death insurance or health insurance is also available. This acts as an additional security cover, for which you do not have to pay any separate premium.
8. Priority Banking Services – Banks provide priority service to their customers in high salary accounts. This may include facilities like separate counter, relationship manager and faster service.
9. Shopping and Dining Offers – Salary account holders get special discounts and cashback offers on online shopping, food apps and restaurants, which can reduce daily expenses.
10. Free ATM Transaction – A fixed number of free ATM transactions are available every month in the salary account. With this you can withdraw money without any extra charge.
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