Zero Balance Saving Account (SBI Zero Balance Account) can also be opened in State Bank of India. According to the information given on the bank’s website, this account can be opened by any person, provided he has KYC documents. Basically the bank provides this facility to the poor section of the society who are not in a position to pay the bank charges. Zero balance account means that there is no obligation on the customer to keep some money in this account at any cost. The account holder does not get the check book.