Small account management fee is the bank's target for thoseAverage daily balanceAccounts with less than a certain amount charge a certain amount every monthAccount management fee。Generally, each bank has this charging item, and the specific amount is different.
From August 1, 2017Bank card annual fee、Small account management feeStart to cancel and suspend some basic finance of commercial banksservice charge。[1]
bank for economic construction:savings accountSmall account management fees may be charged. The charging standard of small account management fees of Shanghai Branch is:RMBpersonalCurrent depositSmall account refers toAverage daily deposit balanceRMB individuals less than 500 yuan (excluding)Current deposit account。A small account management fee of 3 yuan is charged every quarter, and the settlement time is on the 20th or 21st of the last month of each quarter.
The so-called daily averageDeposit balanceIs the daily deposit balanceaverageThat is, the daily deposit balance is accumulated by days in the statistical period, and divided by the number of days in the statistical period, it is equal to the daily average deposit balance.Average daily account balance=total daily deposit balance in the statistical period/days in the statistical period.
Since July 1, 2011, controversial small accountsmanagement expense, bill printing fee, password modification and password resetService Charge34 bank charges were officially suspended.CBRCPeople's Bank of China, CountrydevelopmentThe Reform Commission jointly issued theBanking financial institutionsExemptionservice charge(hereinafter referred to as the "Notice"), requiring banking financial institutions to exempt from RMB as of July 1, 2011individual account34 services of 11 categories.The small management fee is stipulated as "signed and issued"Pay on behalfAccountspensionAccount, minimum living allowance account, medical insurance accountunemployment insuranceAccountsHousing provident fund accountAnnual fee andAccount management fee(including small account management fees); "This means that in addition to the above accounts, small account management fees are also charged.
Conditional exemption
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according toCBRCAccording to relevant regulations, from August 1, 2014, these two fees (bank card small account management fee and annual fee) will be "double exempted", but citizens need to holdIDAnd bank card can be exempted from these two fees only if they apply to the bank outlet actively. Moreover, a bank can only apply for one "double exemption" account.According to the bank staff, the reason why citizens need to apply on their own initiative is that many people have opened multiple accounts in the same bankright to select on one's own, CardHuman needsOffer to apply for a free card.When applying, one card can be "double exempted", or the annual fee of one card can be exempted separately and the small account management fee of another card can be exempted.[2]
Opinions of all parties
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It is understood that the bank's quarterly deduction of 3 yuan is related to the small account management fee levied by the bank.Bank of China BeijingbranchIn December 2005, it was announced that from March 20, 2006, Beijing Branch of Bank of China began to open RMB ordinary current deposit accounts with an average daily deposit balance of less than 500 yuan (excluding) andCurrent all-in-oneAccount management fee of RMB 3 will be charged quarterly.
someJoint-stock bank, relevant staff said that they charged small account management fees mainly for two reasons: first, from the current situation of personal accounts, many "sleep accounts" that have been idle for several yearsbank accountResources form a huge waste.Enlarged to the whole society, the same customer often opens multiple accounts in different banks, wasting the socialFinancial accountsresources.
Second, by chargingAccount management feeThe bank hopes that existing idle account customers can effectively merge their own bank accounts, actively strive for customers to merge their assets among banks, and select a bank as their own financeasset managementOK, so as to improve the finance of individual customersFinancial awareness。
expert
Bank charges should be more humanistic
In this regard, some lawyers questioned the bank's behavior of collecting small account management fees, believing that it was suspected of unilateral breach of contract.Xie Ziqi, a lawyer from Guangdong Qunlihong Law Firm, said that the bank did not specify that management fees should be charged for small accounts in the contract for opening accounts for depositors. The bank collects depositors' money in the form of announcement, depending on whether the account opening agreement stipulates that the bank has the right to unilaterally change.Some banks charged management fees without agreement with depositors, which violatedcontract law。
In response to the statement that banks "improve services and save costs", "promote personal finance and reduce invalid and inefficient accounts", relevant experts said that the Internet andDatabase technologyVery developed, banks can solve this problem through technological innovation and other humanized measures.Technically, the workload of managing an account worth 100 yuan is the same as that of managing an account worth 1 million yuan. Why didn't you hear about clearing an account worth 1 million yuan?
Data of each bank
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Data 1
Data of small account management fees of banks in Mainland China at the beginning of 2010 (for reference only):
1，ICBC: A small account management fee of 3 yuan/quarter will be charged if it is less than 500 yuan
2，the Agricultural Bank of China: A small account management fee of 3 yuan/quarter will be charged if it is less than 500 yuan;
3，Jilin Bank: Since September 1, 2009, small account management fees of 3 yuan/quarter will be charged for new accounts less than 100 yuan.
On April 1, 2010, the management fee of small account of Agricultural Bank of Liaoning started to rise.A small account management fee of 6 yuan/quarter will be charged if it is less than 500 yuan;
,7，Bank of Communications: A small account management fee of 3 yuan/quarter will be charged if it is less than 500 yuan;(Bank of CommunicationsDebit CardNo small account management fee)
8 Guangdong Rural Credit Union: small account management fee of 3 yuan/quarter (forpassbookCollection, free of charge for debit card)
9，Postal Savings Bank of China: A small account management fee of 3 yuan/quarter will be charged if it is less than 100 yuan
Data 2
China Minsheng Bank：Shenzhen CityA one-time small account management fee of 36 yuan/year will be collected if it is less than 5000 yuan (5000 yuan);
Industrial Bank: RMB personal current deposit accounts with an average daily balance of less than 300 yuan (inclusive) within 3 months after opening an account for 3 months will be charged 3 yuan/quarter, and accounts with an average daily balance of more than 300 yuan within 3 months will not be charged.There is no charge for accounts opened for less than 3 months.Accounts with designated functions are free of charge.
China Merchants Bank: A small account management fee of 1 yuan/month will be charged if the average daily deposit balance is less than 10000 yuan (10000 yuan);(February 2012), 3 yuan/month in Shenzhen and Chongqing;Qingdao Branch 5 yuan/month.
Guangdong Development Bank: A small account management fee of 3 yuan/quarter will be charged if the average daily deposit balance is less than 500 yuan;
