Small account refers to the RMB personal deposit account (including current passbook, debit card and all-in-one card) whose average daily deposit balance (including card account and total contract amount) is lower than the prescribed charging starting point.
For small accounts that meet the charging conditions, a small account service fee will be charged on the evening of 23rd at the end of each quarter, and 3 yuan will be charged every time. If the account funds are insufficient at the time of deduction, it will be included in the system, and if the account funds are sufficient at the time of next deduction, it will be deducted at one time.
The statistical period refers to the day after the last quarter's interest settlement date (inclusive) to the current quarter's interest settlement date (inclusive), that is, 2 1 day of the last month of each quarter to the 20th of the last month of the next quarter.
The standard for the starting amount of charges is generally the average daily deposit balance of 500 yuan (excluding), which is subject to the provisions of each branch.
Tips:
1. When the debit card is not activated, the bank will charge a small account management fee; Debit card supplementary card does not charge small account management fee.
2. A debit card is equivalent to a small account service fee for one account, and only one account is charged.
3. Class II households (with physical cards) opened at the counter charge similar debit cards. That is, the annual fee and small account management fee are included in the second-class debit card, and those who meet the exemption conditions are exempted. Second-class households (virtual households) do not charge annual fees and small account management fees.
4. For accounts that have signed up for wealth management or deposit receipt products, banks charge small account management fees.
(Answer time: April 2023 10. In case of business changes, please refer to the actual situation. )