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I prefer zero balance account over minimum balance account. Because I don't have stable expenses every month. 
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Mine accounts are minimum balance accounts which I have started long back! There after I never tried to either update my account or to open a new one! I think having a zero balance account is always a good option one has!
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In my bank account I don't maintain a zero balance. I always have a remaining balance for a reason.
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in many bank account, we dont allowed to have zero balance account because we must have minimum balance to make sure that saving account still active
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I have not felt the need to check it but my banks do have the minimum balance account concept.  Cross my fingers I have never come to a stage where I needed to empty my coffers.
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I prefer to have a balance since I need to have extra money. it is not easy to maintain the balance though.
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I am sorry that I don't understand zero balance account. If you mean a bank account then it is impossible. 
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Bank account must have a maintaining balance so that you will not charge.
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