Union Bank Zero Balance Account

Individuals can access basic banking services through Union Bank's Zero Balance Account, which is a type of savings account. There is no need for the account holder to be worried about keeping a minimum balance. The bank guarantees that account holders can utilize necessary banking services like deposits, withdrawals, fund transfers, ATM cards, and online banking even when their account has no money in it. 

Updated On - 14 Sep 2025

Types of Union Bank Zero Balance Account 

Union Bank of India offers several options for starting an online account with no balance: 

  1. Union Savings Account: A primary savings account that allows users to access savings account features with no minimum balance limitations 
  1. Union Family Savings Scheme: With a low or zero average quarterly balance requirement, it may be able to meet the family's banking needs 
  1. Union No Frills Account: This account requires minimum authentication and provides basic banking services with a zero or little amount 
  1. A Government-sponsored program that provides banking services with minimal KYC and a balance of zero is the Union Basic Savings Bank Deposit Account (BSBDA). 

How to Open Zero Balance Account Online 

To open a Union Bank account with no balance online, follow these steps: 

  1. Visit the official website of the Union Bank of India 
  1. Search for savings accounts with no minimum balance requirements by navigating to the Account & Deposit section 
  1. To meet the wide range of needs of its clients, the bank provides a variety of account types. Click Apply Now after selecting your preferred Zero Balance account 
  1. Next, fill out your online application. In addition to uploading a few necessary documents, including scanned copies of your PAN card, proof of address, photo, and Aadhaar, it asks for some basic information, like your name, contact details, address, and PAN card details. After finishing, select Apply 
  1. A bank employee could be in contact with you to confirm your information. An email or message will be sent to you after your application has been properly submitted 
  1. You will receive a welcome kit including your ATM card, passbook, and other required details after your application is approved. 

Eligibility Criteria for Union Bank Zero Balance Account 

To open a Union Bank Zero Balance Account, you must meet the following eligibility requirements: 

  1. You must be an Indian citizen 
  1. Minimum age must be 18 years of age or above 
  1. Please be aware that you are not allowed to open another Union Bank Zero Balance Account if you have an existing one. 

Documents Required for Union Bank Zero Balance Account 

To open a Union Bank Zero Balance Account, you must submit the required documents as follows: 

  1. Identity Proof: Aadhaar card, passport, voter ID, driving license, and PAN card 
  1. Address Proof: Electricity bill, Aadhaar card, PAN card, Bank statement, rent agreement etc. 
  1. Passport sized photographs. 

Union Bank Zero Balance Account Withdrawal Limit Per Day 

The withdrawal limit for your account with no balance is as follows: 

  1. An ATM cash withdrawal of up to Rs.25,000 per day is available 
  1. The daily POS limit is Rs.50,000 
  1. Additionally, you will be eligible to receive monthly account statements through email along with a classic debit card. 

Fee Structure of Union Bank Zero Balance Account 

Numerous zero-balance accounts are available from Union Bank of India; however, fees differ depending on the type of account and the location. Here are a few common choices such as: 

Account Type 

Fee 

Union Digital Saving Account (UDSA) 

 

Minimum Balance 

None 

Deposit Charge 

Rs.1 per Rs.1000 (including GST) for above Rs.5000 per month 

Additional Transaction 

Rs.20 per transaction +GST 

ATM Usage 

5 free transactions per month3 free transactions per month at other bank’s ATMs in metro cities5 free transactions per month at other bank ATMs in other centers 

Savings Account 

 

Minimum Balance 

Rs.100 in rural areasRs.1000 in metro cities 

Non-Maintenance Charges 

Apply if minimum balance is not maintained 

Other Charges 

Similar to UDSA 

Senior Citizen Savings Account 

 

Minimum Balance 

None  

ATM Usage 

Free Transactions 

Other Charges 

Similar to UDSA 

Union Bank Zero Balance Account Helpline Number 

As per the latest update, 1800 22 22 44 or 1800 208 2244 is the customer service helpline number for Union Bank of India. Consumers who need help with banking services, such as opening an online account with no balance, can contact these numbers. 

FAQs on Union Bank Zero Balance Account

  • Is there a zero-balance account available at Union Bank?

    Yes, you do not have to worry about keeping a minimum balance all year long if you open a zero-balance account with the Union Bank of India. 

  • What is the Union Bank account minimum balance?

    As the name suggests, there is no minimum balance required when opening a zero-balance account. 

  • Who is eligible for a Union Bank account?

    Any person or organization that qualifies as an Indian resident, NRI, or HUF can submit an application for a union bank account. 

  • Can I Change My Union Bank Savings Account to a Regular Account?

    Depending on its rules and eligibility requirements, Union Bank may allow you to change your savings account to a zero-balance account. 

  • What is the maximum Limit for Union Bank Zero Balance Account?

    Cash withdrawals at ATMs are restricted to Rs.25,000 daily, while the daily limit for POS withdrawals is Rs.50,000. 

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