Do all bank accounts now have a small account management fee? What are the standards

Hello, ABC.

Personal account micro-account management fee.

The introduction is as follows: Small-amount account refers to a RMB personal deposit account (including current passbook and debit card) whose average daily deposit balance (including the total amount of the main account and sub-account) is less than the prescribed minimum amount of fees during the statistical period.

Card fold into one account).

For small-amount accounts that meet the charging conditions, a small-amount account service fee will be charged once on the evening of the 23rd at the end of each quarter, at 3 yuan each time. If the account funds are insufficient at the time of deduction, it will be counted into the system, and the next deduction will be made if the account funds are sufficient.

The statistical period refers to the day after the interest settlement date of the previous quarter (inclusive) to the current one.

The starting amount of the fee is generally 500 yuan (exclusive) per day, which is subject to the regulations of each branch.

2.The debit card for a small account service fee is only charged for one account.

3.Class II accounts (with physical cards) opened at the counter will be charged for the same type of account debit card. That is, annual fees and small-amount account management fees will be charged to the second-class account debit cards, and those who meet the conditions for reduction and exemption will be exempted. The annual fee and small account management fee for the second type of account (virtual account) are not charged.

Standard data for small management fees charged by banks:

Data on the management fees of small accounts of various banks in Chinese mainland:

1. Industrial and Commercial Bank of China: less than 300 yuan to charge a small account management fee of 3 yuan per quarter; (ICBC in Suzhou, Nanning and other provinces is less than 500, and charges 3 yuan every three months, which is still different from every quarter).

2. Agricultural Bank of China: less than 300 yuan to charge a small account management fee of 3 yuan per quarter;

On April 1, 2010, the price of Liaoning Agricultural Bank's small account management fee began to rise. Less than 500 yuan to charge a small account management fee of 6 yuan per quarter;

3. China Construction Bank: Charge a small account management fee of 3 yuan per quarter if it is less than 500 yuan, and such accounts do not calculate interest;

4. Bank of China: less than 500 yuan to charge a small account management fee of 3 yuan per quarter, Nanning not less than 300;

5. Bank of Communications: less than 500 yuan to charge a small account management fee of 3 yuan per quarter;

6. Postal Savings Bank of China: At present, most provinces and cities do not charge annual fees and small account management fees; From October 2010, 3 yuan will be charged at less than 100 yuan;

7. China Minsheng Bank: Shenzhen City is less than 5,000 yuan (5,000 yuan) and collects a one-time small account management fee of 36 yuan per year;

8. China Everbright Bank: At present, there is no small account management fee;

9. China CITIC Bank: At present, there is no small account management fee;

10. Huaxia Bank: At present, there is no small account management fee;

11. Shanghai Pudong Development Bank: At present, there is no small account management fee;

12. Industrial Bank: At present, there is no charge for the management of small accounts;

13. China Merchants Bank: If the average daily deposit balance is less than 10,000 yuan (10,000 yuan), a small account management fee of 1 yuan will be charged for 1 month;

14. Shenzhen Development Bank: less than 300 yuan to charge a small account management fee of 3 yuan per quarter;

15. Guangdong Development Bank: If the average daily deposit balance is less than 500 yuan, a small account management fee of 3 yuan will be charged quarterly;

16. Bohai Bank: The monthly average (not the daily average) is less than 5,000 yuan, and the account management fee is 5 yuan per month;

17. Hengfeng Bank: At present, there is no small account management fee;

18. Zheshang Bank: At present, there is no small account management fee;

19. Bank of Beijing: At present, there is no small account management fee;

20. Bank of Shanghai: less than 300 yuan to charge a small account management fee of 3 yuan per quarter;

21. Bank of Tianjin: less than 300 yuan to charge a small account management fee of 3 yuan quarterly.

22. Ping An Bank.

If the average daily balance of the account is less than 1,000 yuan, an account management fee of 2 yuan per month will be charged.

Basically, there are no individual rural commercial banks, and those with cards are generally not less than 300 yuan, and large banks are not less than 500 yuan, with an average monthly amount. You don't want a card, just open a passbook and lower it, 100 yuan.

The Small Account Management Fee is an account management fee that the bank charges a certain amount of monthly fees for those accounts with an average daily balance of less than a certain amount. Generally, each bank has this charge, and the specific amount is different. Charging this fee is a change in the bank's business philosophy.

From August 1, 2017, the annual fee for bank cards and the management fee for small accounts will be abolished, and the fees for some basic financial services of commercial banks will be suspended.

According to the relevant regulations of the China Banking Regulatory Commission, from August 1, 2014, these two fees (bank card small account management fee and annual fee) will be "double exempt", but citizens need to take the initiative to apply at bank outlets with ID cards and bank cards to be exempted from these two fees, and a bank can only apply for one "double exemption" account.

Cardholders are required to offer to apply for which card is free of charge. When applying, you can either "double exempt" for one card, or waive the annual fee for one card separately and waive the small account management fee for the other card.

The small-amount account management fee is an account management fee charged for RMB personal current deposit accounts with an average daily deposit balance of less than a certain amount during the statistical period, i.e., from the 21st day of the last month of the previous quarter (the account opening date for new accounts opened after the 21st of the last month of the previous quarter) to the 20th of the last month of the current quarter.

According to the local situation, the implementation standards of the average daily deposit balance is less than a certain amount are inconsistent, please consult the local outlets for details.

Further information: The following types of accounts are exempt from the small account management fee:

1. Personal accounts designated by the department that must be handled by the Bank (mainly referring to accounts with exclusive functions designated by the department and cannot be selected by the customer) can be exempted from the small-amount account management fee;

2. The accounts of wage payment account, retirement pension account, subsistence allowance account, medical insurance account, unemployment insurance account and special account for employee housing signed with our bank, as well as the account signed with our bank to repay the personal loan of the bank and the provident fund loan entrusted by the bank.

Reminder: Starting from August 1, 2014, our bank can provide qualified individual customers with an account (excluding credit card and VIP account) that is exempt from account management fee and small account management fee according to customer application. Specifically, please bring your valid ID card and account to our branch for consultation.

The small-amount account management fee is an account management fee charged on RMB individual current deposit accounts with an average daily deposit balance of less than a certain amount during the statistical period. Calculation of the average daily balance: If a quarter is 90 days, the daily balance at the end of each day is accumulated and divided by 90 to get the average daily balance, if the average daily balance is lower than the amount set by the branch, a small account management fee will be incurred.

For example, if your account balance is 300 yuan on the first day, you deposit 200 yuan on the second day, and you withdraw 100 yuan on the third day, then the average daily deposit balance in these 3 days = (300 + 500 + 400) 3 = 400 yuan.

For customers who have not enjoyed the waiver of account management fee and small account management fee in their CCB account, they can apply for an account (excluding credit card and VIP account) that is exempt from account management fee and small account management fee. If you have an account with no account management fee (including small account management fee) with CCB before August 1, 2014, you will not be able to apply for another free account, but you can apply to change the account with no account management fee (including small account management fee). Individual customers can apply for exemption of account management fees within the scope of the first-level branch of account opening, and apply for exemption of small account management fees at any business institution in the country.

Specifically, you also need to bring your valid ID card and relevant account to the counter of our bank for verification.

The small account management fee refers to a kind of management fee levied by the bank on customers with low account balances. Pure state

When opening an account with a bank, there is a minimum limit on the account balance, and if the balance falls below that limit, the bank will charge a small account management fee in accordance with the regulations. This fee is usually charged once a year, and the standard and amount of the fee varies from bank to bank. The reason why banks levy small account management fees is because the account balance of this type of customer is low, which is difficult to generate enough profits for the bank, and the small management fee can help the bank make up for the cost and improve profitability.