How to charge the annual fee of each bank, the small management fee, and the inter bank handling fee

Your debit card and passbook are currently exempt from account management fees (including small account management fees and annual fees), so please feel free to use them.

Because the bank wants to help you manage your card, and you have opened a certain business, you will enjoy a certain service, so it will charge a management fee and an annual fee.

Because the bank itself is not a welfare institution, and its organization and operation also have a certain cost, it is normal to charge a certain fee.

Because in this process, the bank will manage the funds in the card and increase the cost of the bank, so he has to charge a certain management fee to meet the daily expenses.

The standard of micro-management fee varies from bank to bank, and is generally determined according to the specific bank and different business types. Typical small management fees include: account management fees, clearing fees, storage fees, etc. False thoughts.

In China, banks generally impose a certain management fee for small deposits. The rules for small management fees vary from bank to bank depending on the region and time. In the eastern, central and western regions, the small management fees charged by major banks also differ.

Account management fees also vary among some banks. For example, at China Merchants Bank, the basic account management fee for ordinary customers is 60 yuan per year, while other banks vary from person to person. Sometimes, the age of the customer and the type of business can also affect the standard of charge.

Another common small management fee is the clearing fee. The standard of this fee also varies depending on the bank and business type. For example, the Postal Savings Bank of China will charge a clearing fee for accounts that cover change and small deposits.

There are also some banks that charge a small storage fee. For example, at the Industrial and Commercial Bank of China, deposits of more than RMB 100,000 per month per customer will be charged a storage fee, depending on the type and amount of the deposit.

In general, the small management fees charged by banks vary from bank to bank and from one business type to another. Therefore, when choosing a bank and opening an account, we need to understand and consider the bank's fee policy. If we carefully compare the management fee standards of several banks, we will finally find a more cost-effective option that meets our needs.

ICBC's annual fee is 10 yuan.

There is no charge for online banking for the time being, if you buy wealth management products or deposit more, some banks can give away U shield for free, and temporarily confiscate a small management fee.

ICBC has the largest number of outlets, which is more convenient.

However, it is best not to go to the outlets, there are more people.

Online banking is recommended, it is very safe, and the business that can be handled at the branch can be done online.

1 Industrial and Commercial Bank of China: annual fee of 10 yuan per year, less than 300 yuan for small account management fee of 3 yuan Quarter 2 Agricultural Bank of China: annual fee of 10 yuan per year, less than 500 yuan for small account management fee of 3 yuan Quarter 3 China Construction Bank:

Annual fee of 10 yuan per year, less than 500 yuan for small account management fee of 3 yuan Quarter 4 Bank of China: annual fee of 10 yuan per year, less than 500 yuan for small account management fee of 3 yuan Quarter 5 Bank of Communications: annual fee of 10 yuan per year, less than 500 yuan for small account management fee of 3 yuan Quarter 6 China Merchants Bank:

No annual fee, less than 10,000 yuan for small account management fee 1 yuan month 7 China CITIC Bank: no annual fee, no small account management fee, the first 2 inter-bank withdrawals in the same city are free of charge every month, and the next 2 yuan.

8 Industrial Bank: No annual fee, no small account management fee, the first 3 inter-bank withdrawals in the same city are free of charge for the first 3 transactions per month, and the next 2 transactions.

For more information, please ask your local bank!

1. Regarding the specific charges of the bank, customers can go directly to the bank counter to understand.

2. Description: 1. The annual fee standard of the general bank card is 10 yuan a year, but there are many banks that have launched preferential services that can be exempted from the annual fee, such as the debit card of rural credit cooperatives and other banks.

2. The small account management fee is an account management fee charged by the bank every month 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 specific minimum value of the average daily balance is also different.

3. Bank card fees also include: card application fee, annual fee, ATM inter-bank cash withdrawal fee, small account management fee, statement printing fee, password reset fee, bank card loss report fee, etc.

4. Since May 1, 2015, the China Banking Regulatory Commission and the State have officially implemented the "Measures for the Administration of Commercial Banking Services", and some handling fees for debit cards (excluding credit cards), including annual fees, cash withdrawal fees, SMS notification fees, transfer and remittance fees, and small account management fees, can be cancelled. The cardholder needs to bring his or her ID card to the counter to handle the cancellation, and a bank can only apply for a maximum of one card without annual fee and management fee.

At present, major banks have implemented conditional fees for the management of small accounts and annual fees, which can be waived if the conditions are met.

The conditions for waiving the microaccount management fee and annual fee are as follows:

If you hold more than one bank card in a major bank, you can go to the bank branch with your ID card to apply for one of the bank cards of the major banks, and the small account management fee and annual fee will be exempted;

According to the Notice on the Exemption of Some Service Charges by Banking Financial Institutions jointly issued by the China Banking Regulatory Commission, the People's Bank of China and the National Development and Reform Commission on July 1, 2011, the annual fees and account management fees (including small account management fees) for salary payment accounts, retirement pension accounts, subsistence insurance accounts, medical insurance accounts, unemployment insurance accounts and housing provident fund accounts that have been signed and opened are exempted;

Major bank accounts can be exempted from small-amount account management fees if they meet a certain number of consumption times and balance conditions, and you can check the charging standards of major banks for details.

No! However, if you have to go to the counter, it is not automatically free! This is a bad bank! Hope to adopt it now!

The ICBC card I use has an annual fee of 10 yuan and a small account management fee of 3 yuan, but some local banks do not charge fees, such as the Bank of Beijing.