Ruling on opening an empty account in a riba-based bank
Question

                I have an account in the bank but I do not use the account because the bank pays interest. Is there any sin on me just for having an account in my name? The account is empty; there is no money in it.
Praise be to Allah.It is permissible to put 
    money in a riba-based bank without interest in cases of necessity in order 
    to protect the money, if there is no Islamic bank. If there is an Islamic 
    bank, then it is not permissible, because that is helping in sin, as the 
    bank benefits from this money by using it in riba. 
As for opening an account 
    without putting money in it, there does not seem to be anything wrong with 
    doing this, but it should be for a reason, and not just for no purpose, so 
    as to avoid joining the people of falsehood in this matter. 
And Allaah knows best.