Account Management Fee? How is the bank account management fee charged?

The account management fee is based on the management needs and the specific requirements of information users, the content of the accounting elements is scientifically classified and reclassified, and the fee charged to the account owner is the account management fee. At present, financial institutions will charge a certain fee to make up for the cost of accounts with an average daily balance below a certain limit, because they also consume the limited resources of the bank.

It 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.

Ping An Bank Debit Card Account Management Fee Charging Standard:

Ordinary card: If you only open a debit card passbook with Ping An Bank and it is at the level of ordinary card, our bank will automatically reduce or exempt your account management fee; If you have multiple debit cards under your name and the highest card level is a general card passbook, if the assets do not meet the specified standard (the average monthly equity assets of the customer are 1,000 yuan), our bank will charge a monthly general card account management fee of 2 yuan for each card passbook;

Gold Card: If the highest level under your name is a Gold Card, if the assets do not meet the specified standards (the average daily equity assets of any month in the last three months are 50,000 yuan), our bank will charge an account management fee of RMB 15 per quarter;

Platinum Card: If the highest level under your name is a Platinum Card, if the assets fail to meet the specified standards (the average daily equity assets of any month in the last three months are 500,000 yuan), our bank will charge an account management fee of 60 yuan on a quarterly basis;

Diamond Card: If the highest level under your name is a Diamond Card, if the assets fail to meet the specified standards (the average daily equity assets of any month in the last three months are 2 million), our bank will charge an account management fee of RMB 90 on a quarterly basis;

Black Diamond Card: If the highest level under your name is a Black Diamond Card, if the assets do not meet the specified standard (the average daily equity assets of any month in the last three months are 2 million), an account management fee of 150 yuan will be charged quarterly.

1. Industrial and Commercial Bank of China: less than 300 yuan to charge a small account management fee of 3 yuan per quarter;

2. Agricultural Bank of China: less than 500 yuan to charge a small account management fee of 3 yuan per quarter;

3. China Construction Bank: Less than 300 yuan to charge a small account management fee of 3 yuan per quarter;

4. Bank of China: The average daily deposit is less than 300 yuan, and the management fee for small accounts is up to 9 yuan per quarter;

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

6. China Merchants Bank: Charge a small account management fee of 1 yuan per month for less than 10,000 yuan.

7. Postal Savings Bank: Less than 100 yuan to charge a small account management fee of 3 yuan per quarter;

8. Changsha Bank is free of small account management fee.

9. Ping An Bank: The monthly average is less than 1,000 yuan, and the small account management fee is 2 yuan per month.

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 charging item, and the specific amount is different, and the charging standard is also different.

Fees and charges for small account management fees of various banks:

1.Industrial and Commercial Bank of China, the average daily balance is less than 500, and the small account management fee is 3 yuan per quarter.

2.China Construction Bank, the average daily balance is less than 500, and the small account management fee is 3 yuan per quarter.

3.Bank of China, the average daily balance is less than 300 yuan, and the small account management fee is 3 yuan per quarter.

4.Agricultural Bank of China, the average daily balance is less than 500, and the small account management fee is 3 yuan per quarter.

5.Bank of Communications, the average daily balance is less than 500, and the small account management fee is 3 yuan per quarter.

6.Bank of Shanghai, the average daily balance is less than 300 yuan, and the small account management fee is 3 yuan per quarter.

7.China Merchants Bank, the average daily balance is less than 10,000, the small account management fee is 36 yuan per year, and the credit card binding repayment account is free.

Extended Materials. Banking business management fees refer to the relevant expenses directly incurred by the bank in the process of business management.

Specifically, it includes electronic equipment operation costs, banknote transportation costs, security and defense costs, insurance premiums, postal and telecommunications expenses, labor protection expenses, foreign affairs expenses, printing expenses, miscellaneous expenses, cashier expenses, amortization expenses of low-value consumables, travel expenses, water and electricity expenses, lease fees (excluding financial leasing fees), repair costs, taxes, conference fees, litigation fees, notary fees, consulting fees, amortization of intangible assets (excluding amortization of self-developed intangible assets), amortization of deferred assets, amortization of other assets, heating expenses, audit fees, technology transfer fees, and research and development expenses, greening expenses, employee wages, employee welfare expenses, employee education expenses, trade union funds, unemployment insurance premiums, labor insurance premiums, board fees, etc.

Operating and administrative expenses are recorded in profit or loss for the period as period expenses.

Basic account of a bank company.

The management fee is 1,500 yuan per year.

The company's basic account account does not need money, but you need to pay an account management fee of 1200 yuan per year, if you need a password payer when opening an account, you need to pay 550 yuan, if you need a password sheet, each is yuan.

Open a basic account.

The following materials shall be provided: (1) The original and photocopy of the original and copy of the business license.

2) Organizational Certificate.

Original and photocopy.

3) Tax registration certificate.

Including the original and photocopy of the national tax and local tax.

4) Legal representatives.

or the ID card of the person in charge of the unit.

5) If the legal representative authorizes others to go through the account opening procedures, the legal representative must also bring the power of attorney of the legal representative.

and the identity document of the handler, the ID card should be copied on the front and back, and it is also necessary to provide the authorized person's work banquet certificate (such as work permit, unit introduction letter, etc.), and confirm that the authorized account holder is a staff member of the unit.

6) The company's official seal.

Hello, the introduction of the small account management fee of the personal account of the Agricultural Bank of China is as follows

Small-value account refers to a RMB personal deposit account (including current deposit, debit card, and card-fold account) whose average daily deposit balance (including the total amount of card accounts and contracts) is less than the prescribed minimum amount of fees during the statistical period.

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 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.

4.For accounts that have signed up for wealth management or large-amount deposit products, the bank will charge a small account management fee.

The bank card management fee mainly refers to the small account management fee.

1. Industrial and Commercial Bank of China: less than 300 yuan to charge a small account management fee of 3 yuan per quarter;

2. Agricultural Bank of China: less than 300-500 yuan to charge a small account management fee of 3 yuan per quarter;

3. China Construction Bank: less than 300-500 yuan to charge a small account management fee of 3 yuan per quarter;

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

5. Bank of Communications: less than 300 yuan will charge a small account management fee of 3 yuan per quarter;

6. Postal Savings Bank of China: 3 yuan per quarter for small account management fees 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 rollover accounts;

13. China Merchants Bank: If the average daily deposit balance is less than 10,000 yuan (10,000 yuan), the small account management fee will be reduced by 1 yuan per 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: At present, there is no small account management fee;

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

The above information has not been compared with the current fee standard published by the bank, and is used for the land examination in the hall.