Most banks offer special facilities for salary accounts, waiving the minimum balance requirement.

But when the customer quits his job, the account ceases to be a salary account and the bank begins to apply minimum balance requirements.

Since there is no regular salary flowing in, The bank begins to debit a penalty for nonmaintenance of minimum balance, which often results in the balance turning negative.

The RBI has asked banks to stop imposing charges for nonmaintenance of minimum balance once the balance in a savings account touches zero.

Source: TOI

https://m.rbi.org.in//Scripts/Notific...