I opened my account in this bank with 0 balance and I m very happy with this bank. It not like other bank account where you have a limit and if the balance goes below that u will be charged. In this bank account you can have any amount of money and you take out all your money but you will not be charged as other bank account do. Kotak mahindra bank have its own mobile banking app which very good. I do all my online shopping and recharge of talktime with the app only. Besf bank to open a 0 balance account is Kotak!