How to avoid small management fees when 202 yuan is deposited in the bank and changed to 88.72 yuan in 15 years？
Ms. Jin of Hangzhou accidentally turned out a passbook 15 years ago, and the balance showed 202 yuan. As a result, it was found that there was only 88.72 yuan left in the account due to management fees. This report was posted on a hot search a few days ago, which triggered a heated discussion among netizens. Some netizens questioned the bank’s charging policy, but some netizens expressed their understanding. "Every bank has an account free of account management fees, and more accounts will be charged. This policy has been going on for several years."
The reporter of Beijing Youth Daily found that some banks will charge a 3 yuan fee every quarter for accounts whose average daily deposit is lower than that of 500 yuan. The lobby manager of a state-owned bank said when consulting with the reporter of Beiqing Daily that if the account balance is deducted and the customer doesn’t want to continue to use it, it is best to go to the outlet counter to apply for account cancellation, and the unpaid account management fee can be applied for exemption; If you continue to keep the account, as long as new funds enter, the system will automatically withhold the overdue account management fee. The lobby manager suggested that it is best to close accounts that have not been moved for a long time as soon as possible, on the one hand, to avoid paying the small account management fee wrongly, and on the other hand, to avoid the risk of being stolen by criminals.
Everyone is in every bank
Can I have a free account?
Small account management fee is a bank’s market-adjusted price charging item. According to the notice of the National Development and Reform Commission and the China Banking Regulatory Commission, since August 1, 2014, commercial banks should provide an account free of account management fees (including small account management fees) and annual fees (excluding credit cards and VIP accounts) according to customers’ applications. In July 2017, the National Development and Reform Commission and the China Banking Regulatory Commission jointly issued the Notice on Cancellation and Suspension of Some Basic Financial Services Charges of Commercial Banks, reiterating that commercial banks should continue to exempt an account (excluding credit cards and VIP accounts) from annual fees and account management fees (including small account management fees) in accordance with the current policies. Since August 1, 2017, all banks have begun to strictly implement this regulation.
Beiqing Daily reporter learned from a number of banks yesterday that if a customer has only one unique account in a bank, it will be automatically reduced; If a customer has two or more accounts, the customer can designate one of them to be free of account management fees. If the customer does not designate one, some banks will default to the first account opened by the customer in the bank as a free account.
This situation encountered by Ms. Jin shows that this passbook is probably her only account in this bank. Small account management fees should be higher in 3 yuan every quarter, 12 yuan every year, and 180 yuan in 15 years. However, Ms. Jin’s account is only about 130 yuan less, which is equivalent to more than 10 years of small account management fees. This shows that this bank should not charge again after August 1, 2017.
Different bank accounts
Management fees are charged at different rates.
According to the reporter of Beiqing Daily, at present, large state-owned banks such as ICBC, China Construction Bank, Agricultural Bank of China and Bank of Communications also have small management fees. The charging standard is that the average daily deposit balance in each quarter is lower than a certain standard, and the small account management fee in 3 yuan will be charged every quarter. The threshold for charging is different from bank to bank. The standard of ICBC is 300 yuan, while most other big banks are 500 yuan, and the standards of branches in different regions of the same bank may be different.
Some small and medium-sized banks have different charging strategies for account management fees. For example, Ping An Bank will charge a monthly 2 yuan account management fee for Puka customers if their monthly average assets are less than 1000 yuan; If the average daily assets of China Merchants Bank Puka are less than 10,000 yuan, the charging standard in Beijing is 1 yuan/month/card.
It should be noted that all these banks have a large number of preferential policies for reduction and exemption. For example, accounts that sign contracts to pay wages, pensions, subsistence allowances, medical insurance, unemployment insurance and provident fund are exempt from account management fees regardless of the balance. The exemption scope of some banks also includes: accounts for repaying loans, credit cards and paying fees; An account that conducts a specified type of transaction or a higher-level personal account.
Multiple banks
Small account management fee has been waived.
It is worth mentioning that in order to actively respond to the call of the state to reduce fees and benefit the people, the Bank of China and the Postal Savings Bank of China, which are big state-owned banks, have cancelled the management fees for small accounts, and no matter how many personal accounts customers have, they will not be charged. The Postal Savings Bank will waive the small account management fee for individual RMB current deposit accounts nationwide from December 15, 2021; For the historical arrears of stock, no additional deduction will be made. Bank of China will cancel personal account fees, including debit card annual fee and small account management fee, from February 1, 2022.
In addition, China Everbright, CITIC, Huaxia and other joint-stock banks are also exempt from small account management fees.
suggestion
Unused accounts should be closed as soon as possible.
Avoid overpaying "unjust money"
Ms. Jin was charged an account management fee of 202 yuan 15 years ago because she did not meet the bank’s average monthly balance standard, resulting in less and less money. If the balance is deducted, will the bank recover it?
The lobby manager of a branch in Dongcheng, CCB, said in a consultation with the reporter of Beiqing Daily today that if the account balance is deducted and the customer does not want to continue to use this account, it is best to apply for cancellation at the branch counter, and the unpaid account management fee can be exempted; If you continue to keep the account, as long as new funds enter, the system will automatically withhold the overdue account management fee.
The lobby manager suggested that it is best to close accounts that have not been used for a long time as soon as possible. "On the one hand, it is to avoid paying small account management fees; On the other hand, there is a risk of being stolen and unsafe. "
According to the statistics of the central bank, by the end of the second quarter of this year, 13.886 billion personal bank accounts had been opened nationwide, with a per capita bank account of 982 based on the population of 1.412 billion. Although the number of accounts per capita has increased, the utilization rate of some accounts is not high, and eventually they are idle and become "sleep accounts".
The reporter of Beiqing Daily noticed that in recent years, a large number of banks have repeatedly issued announcements to clean up long-term immobile "sleep accounts" and "excessive accounts" that do not meet the standards. All banks said that the clean-up work is to implement regulatory requirements, strengthen account management, prevent the risk of telecommunication network fraud, and better protect the safety of customers’ funds.
be relevant
Many banks restrict credit card accounts to "one person and many households"
Recently, Industrial Bank issued a "Warm Reminder about" One Person with Multiple Accounts ".Since October, Industrial Bank has required the same customer to open a new credit card account with no more than six credit cards in the normal state of the bank. The Beijing Youth Daily reporter found that since August, several banks, such as Shanghai Rural Commercial Bank, Bank of Zhengzhou and China Merchants Bank, have issued announcements to set a ceiling on the number of credit cards held by the same customer.
According to the announcements of these banks, if the number of cards held by customers exceeds the upper limit, they can cancel the unused cards under their names, otherwise they will not be able to apply for new cards or renew them due. From the specific requirements, the number of upper limits set by banks is not the same.
On October 25th, China Merchants Bank issued the "Announcement on the Management of the Number of Credit Cards Held by Our Customers". China Merchants Bank requires that the total number of valid cards of the main card and supplementary card held by the same customer in the bank shall not exceed 20 (including 20), among which the number of valid cards of the main card held by the customer’s name shall not exceed 10 (including 10), and the number of valid cards of the supplementary card undertaken by the customer shall not exceed 10 (including 10), and the inactive cards are also included.
Since October 1st, Shanghai Rural Commercial Bank has required the same customer to have a maximum of five credit cards in normal condition. The maximum number of supplementary cards that can be applied for the same credit card master card (except some cards) is 8, including cancelled supplementary cards.
Since September 1st, Bank of Zhengzhou requires that the number of valid credit cards held by the same customer in this bank be limited to 8 (including 8), excluding the cancelled cards. The maximum number of supplementary cards that can be applied for under the same master card name is 8, including cancelled cards.
These banks all said that such regulations were issued in order to implement the Notice on Further Promoting the Standardized and Healthy Development of Credit Card Business issued by the People’s Bank of China Banking and Insurance Regulatory Commission and China in July this year, strengthen account management, guard against telecom fraud risks and ensure the safety of customers’ credit cards. The notice clearly requires that banks should set a ceiling on the number of cards issued by their own institutions for a single customer. Banking financial institutions shall not directly or indirectly take the number of cards issued, the number of customers, market share or market ranking as single or main assessment indicators. Banking financial institutions with a long-term sleep card rate exceeding 20% may not issue new cards.
As far as cardholders are concerned, having too many credit cards will increase the overdraft limit accordingly. For people who like to spend ahead of time and have limited repayment ability, high debt is not a good thing; On the other hand, if sleep card is not used for a long time, it will waste bank resources and may become a tool for telecom fraud.
Su Xiaorui, senior consultant in the financial industry of Analysys, said that at present, many banks have adjusted the maximum number of customers’ credit cards and credit lines, which is not only the implementation of the spirit of supervision, but also conducive to making the risk control work stricter and denser in the pre-lending stage, thus laying a solid foundation for optimizing the quality of bank assets. Bank restrictions will not affect cardholders who use credit cards reasonably and legally, and will also reduce the possibility of cardholders being defrauded by telecommunications. When using credit cards, cardholders should correctly understand the functions and rules of credit cards and rationally overdraw their consumption. This group/reporter Cheng Wei