Banky team Reviewed editorial answerA zero balance does not mean the fees disappear; some fees may still be due and appear as a debt, or they may be deducted upon your first deposit, depending on the terms.
Request a statement showing the fee name and period, and dispute any fees not listed in your terms.
The figures, fees and limits in this answer vary by bank and change over time — confirm them with your bank or the official source before acting.