Do you receive a salary every month? Then learn about the 10 extra benefits of a salary account.

Every account has its own unique advantages and features. However, due to a lack of information, most people are unable to take full advantage of these benefits. Let's tell you about the advantages of a salary account.

Most people use their salary account like a regular bank account. They think its only purpose is to receive and spend their salary. However, the truth is that a salary account comes with many extra benefits that banks often don't openly disclose. Nowadays, banks offer different types of salary accounts, such as Classic Salary Account, Wealth Salary Account, Basic Savings Bank Deposit (BSBD) Salary Account, and Defence Salary Account.

Each account has its own advantages and features, but due to a lack of information, most people are unable to take full advantage of these benefits. If you receive a salary every month, you need to know what else your salary account can do for you. So, let's learn about 10 extra benefits of a salary account that can make your financial life even better.

1. Zero Balance Account Facility - The biggest advantage of a salary account is that you don't need to maintain a minimum balance. Even if the account balance is zero, the bank does not impose any penalty. This facility is not available in regular savings accounts.

2. Overdraft Facility - Many salary accounts offer an overdraft facility. This means that even if the account balance runs out, you can still withdraw money up to a certain limit. This facility is very useful in case of sudden needs or emergencies.

3. Cheaper and Easier Loans - Having a salary account makes it easier to get personal loans, home loans, or car loans. Banks trust salary account holders more and often offer loans at lower interest rates.

4. Free Debit Card and Checkbook - Most banks provide a free debit card and checkbook with a salary account. No separate charges are levied for this, whereas regular accounts may incur fees for these services.

5. Free Digital Transactions - Online transfer services like NEFT, RTGS, and often IMPS are free for salary account holders. This allows you to easily transfer money without any extra charges.

6. Free Credit Card Offers - Many banks offer free or low-fee credit cards to salary account holders. These come with benefits such as reward points, cashback, and waivers on annual fees.

7. Insurance Coverage - Some salary accounts also include accidental death insurance or health insurance benefits. This acts as an additional safety net, for which you don't have to pay a separate premium.

8. Priority Banking Services - For high-salary accounts, banks often provide priority services to their customers. This may include dedicated counters, a relationship manager, and faster service.

9. Shopping and Dining Offers - Salary account holders receive special discounts and cashback offers on online shopping, food apps, and restaurants, which can help reduce everyday expenses.

10. Free ATM Transactions - Salary accounts typically offer a fixed number of free ATM transactions every month. This allows you to withdraw money without incurring any extra charges.