There is no need to deposit money in the card and no management fee, so you don't have to deduct every sum, just deduct the annual fee. Annual card fee of rural commercial bank 10 yuan/year. If the debit card is not used for a long time, it will become a fixed account and there is no way to use it again.

Debit card refers to the bank card issued by the issuing bank to the cardholder without credit limit, and the cardholder deposits first and then uses it.

Debit cards are divided into transfer cards, special cards and stored value cards according to different functions. Debit cards cannot be overdrawn. The transfer card has the functions of transfer, cash deposit and withdrawal and consumption. A Special card is a debit card that is used in a specific area and has a specific purpose (except for department stores, restaurants and entertainment industries), and has the functions of transferring money and depositing and withdrawing cash. Stored value card is a prepaid wallet debit card in which the bank transfers funds to the card for storage according to the cardholder's requirements, and directly deducts money from the card during the transaction.

Debit cards are becoming more and more popular, which can easily replace cash and checks for consumption and transactions. In recent years, debit cards have gradually become the most popular payment cards. There are hundreds of millions of debit cards in use all over the world.

If the debit card is only applicable to local merchants, it is usually printed with the logo of the card issuer and its applicable processing system. The international debit card has the same appearance as the credit card, and the logo of the international payment card institution is printed on the lower right corner. It is very popular in all the sales points that accept credit cards. The difference is that when using a debit card, the amount will be automatically deducted from the bank account instead of being included in the credit line.

function

1 deposit and withdrawal. Debit cards mainly have the functions of local and foreign currency savings, time savings and current savings. Debit cards can be used to deposit and withdraw money at card-issuing bank outlets and self-service banks, or at ATMs in China and even around the world.

2 Transfer and remittance. Cardholders can transfer or remit money to other accounts through bank outlets, online banking, self-service banking and other channels.

3 credit card consumption. Cardholders can use debit cards to spend money at merchants.

4 collection and payment. Debit cards can be used to pay salaries and pay various fees (such as communication fees, water fees, electricity fees, gas fees, etc.). ).

5 asset management. Wealth management products, open-end funds, insurance, personal foreign exchange transactions, precious metal transactions, etc. You can sign contracts, trade and settle accounts through debit cards.

6 Other services. Many bank debit card services have expanded beyond financial services, such as providing airport VIP access and medical and health services for cardholders.