Simple, No balance, no fee.
When your owing balance is $0 then we completely wave the account keeping fee of $6.
You can do this (free of charge) at any point by logging in and making an additional payment or changing your schedule to pay down the owing balance before the end of the month.
Click here to find out how to make an additional payment with card
or click here for a breakdown of how repayments work
This also means that when you do not owe anything on your Zip account, it is completely free to keep open!