Earlier, many banks used to increase the problems by imposing different types of charges on zero balance account. But now the rules have been made quite easy. The new changes will greatly benefit villages, small towns and everyday digital users in banking.

The biggest advantage is the relaxation in rules related to digital payments. Many banks used to charge UPI, IMPS or NEFT as withdrawal. Due to which users remained troubled. Now the new rule is clear that no digital transaction will be considered as withdrawal. The result is that digital payments in zero balance account will be completely free and unlimited.

Users in need of cash will also now be free from the fear of charges. According to the new rules, the bank will have to provide free cash withdrawal at least four times every month. Be it from your own bank’s ATM or from another bank’s. This will provide good benefits to those people who are unable to do digital things or who need to keep cash.

Big relief has also been given on debit cards. Earlier many banks used to charge annual charges and renewal fees. Now this facility will be free. That means, ATM or debit card available on zero balance account will be issued without any annual charge.

The rules related to check book and pass book have also been changed. Now the customer will be given a check book of at least 25 pages every year absolutely free. Along with this, the bank will have to provide passbook or monthly statement free of cost. Earlier banks used to charge different fees on these.

Now there will be no limit on depositing money in zero balance account. Earlier some banks used to make rules regarding continuous deposits. But now customers will be able to make unlimited cash or digital deposits as many times as they want. These new rules will be implemented in the entire country from April 1, 2026. However, if banks wish, they can start them earlier also.