ICICI Bank Zero Balance Account Opening Online: Get Free Debit Card, Passbook and Checkbook at Home

In today’s time, everyone needs a bank account which can operate without any minimum balance restriction. ICICI Bank Zero Balance Account provides you this facility. If you also want to open a zero balance account, then this article will be very useful for you. Here we will go into detail about the benefits of ICICI Bank Zero Balance Account, eligibility criteria, required documents and the entire process of opening the account.

 

What is ICICI Bank Zero Balance Account?

ICICI Bank Zero Balance Account is an account in which you are not required to maintain minimum balance. Through this account you can do your banking transactions without any worries. This account is especially useful for people who want to save even in small amounts or who do not have regular income.

Benefits of ICICI Bank Zero Balance Account

1. No Minimum Balance Required: You do not have to maintain any kind of minimum balance in your account.
2. Free Debit Card: You get Rupay Debit Card without any charges.
3. Free Passbook and Checkbook: The bank also provides you passbook and checkbook without any extra charge.
4. Net Banking and Mobile Banking: You can manage your account online without any problem.
5. Free Fund Transfer: You can transfer funds without any charges through intermediaries like IMPS, NEFT and RTGS.
6. ATM Withdrawal Facility: You can withdraw from any ICICI Bank or any bank ATM without any charge.
7. Auto Sweep Facility: If you want, you can also link your zero balance account to fixed deposit.
8. Loan and Credit Card Facility: Through this account you can also get loan and credit card facility of ICICI Bank.

 

Eligibility Criteria for ICICI Bank Zero Balance Account

• Indian Citizen: Only Indian citizens can apply for this account.
• Age: Your minimum age should be 18 years.
• If you already have a regular savings account with ICICI Bank, you will not be eligible for it.
• Valid KYC Documents: You will have to submit the KYC documents required by your bank.

 

Avashyak Dastavej for ICICI Bank Zero Balance Account

To open ICICI Bank Zero Balance Account you will have to submit the following documents:

1. Pehchaan Patra (Identity Proof)
   • Aadhaar Card
   • PAN Card
   • Passport
   • Voter ID
   • Driving License
2. Pata Pramaan Patra (Address Proof)
   • Aadhaar Card
   • Ration Card
   • Electricity Bill
   • Telephone Bill
   • Rent Agreement
3. Anya Zaroori Dastavej
   • Passport Size Photo
   • Mobile Number (which is linked to Aadhaar)
   • Email ID

 

How to open ICICI Bank Zero Balance Account?

You can open ICICI Bank Zero Balance Account in both ways, online and offline. Complete explanation of both the methods is given below.

1. How to open account through online process?

1. Step 1: Visit the official website or mobile app of ICICI Bank.
2. Step 2: Click on the option ‘Open Savings Account’ or ‘Zero Balance Account’.
3. Step 3: You will have to enter your mobile number which is linked to Aadhaar.
4. Step 4: Enter the PAN card number and proceed.
5. Step 5: Do OTP verification which will be sent to your mobile.
6. Step 6: Enter your personal details like name, date of birth, and address.
7. Step 7: Enter the Aadhaar card number and verify OTP again.
8. Step 8: Option of Video KYC or agent verification will be available. Choose one of the two.
9. Step 9: After KYC verification, your account will be activated immediately.
10. Step 10: You will get passbook, checkbook and debit card at your registered address.

2. How to open account through offline process?

1. Step 1: First of all, find your ICICI Bank branch.
2. Step 2: Take and fill a Savings Account Opening Form on the vehicle.
3. Step 3: Attach your KYC documents.
4. Step 4: After submitting the form, the bank official will do your KYC verification.
5. Step 5: After verification, your account will be activated.
6. Step 6: Passbook, debit card and checkbook will be sent to your address within 4-7 days.

 

Questions and Answers on ICICI Bank Zero Balance Account (FAQs)

1. Is there any fee for opening ICICI Bank Zero Balance Account?

No, there is no charge for opening ICICI Bank Zero Balance Account.

2. Is interest available on this account?

Yes, up to 3% interest is available on ICICI Bank Zero Balance Account.

3. Will I get free checkbook and passbook?

Yes, you will get checkbook and passbook without any extra charge.

4. Can this account be operated through Net Banking and Mobile Banking?

Well, you can manage your account through Net Banking and Mobile Banking.

5. Is Debit Card Free Available on Account?

Yes, you will get your RuPay or Visa Debit Card without any extra charges.

 

Conclusion

If you are looking for a bank account that can operate without any minimum balance restrictions, then ICICI Bank Zero Balance Account is a great option for you. In this you get many benefits like net banking, mobile banking, free fund transfer. You can open this account in both ways, online or offline. Hope this article will be useful for you!