This is the discussion I had with Bank of Baroda, Borivli Branch on a phone call:
BoB guy: Hello?
Me: Hi, I wanted to enquire why did my cheque bounced.
BoB guy: Ok. What was the amount?
Me: It was the whole amount I had in account. I have a zero balance account.
BoB guy: You cant do that. You need atleast Rs. 1000/- balance in account.
Me: But its a zero balance account!!
BoB guy: Yes. But zero balance account should have Rs. 1000/- balance.