What Are the Different Types of Bank Account Levy?

The small account management fee is the account management fee that the bank charges a certain amount of monthly for those accounts whose average daily balance is less than a certain amount. Generally every bank has this fee item, the specific amount is different. Charging this fee is a change in the bank's operating philosophy.

Small account management fee

The following are the charging standards for small bank management fees at some banks:

According to the relevant regulations of the China Banking Regulatory Commission, starting from August 1, 2014, these two fees (bank card small account management fee and annual fee) will be double waived, but citizens need to take the ID card and bank card to apply at bank outlets actively These two fees can be waived, and a bank can only apply for a "double waiver" account. According to bank staff, the reason why citizens need to take the initiative to apply is because many people have opened multiple accounts in the same bank. Considering the customer's independent choice, cardholders need to actively propose which card to apply for free. When you apply, you can either double exempt one card, or you can waive the annual fee for one card alone and the small account management fee for another card. ^[2]

It is understood that the bank deducts 3 yuan per quarter from the small account management fee levied by the bank. In December 2005, the Bank of China Beijing Branch announced that from March 20, 2006, the Bank of China Beijing Branch began to deposit RMB ordinary current deposit accounts with daily average balances of less than 500 yuan (excluding) and current one-pass accounts. The account management fee is charged once a quarter, RMB 3 each time.

1 Small account management fee data1

Data of small account management fees of banks in Mainland China in early 2010 (for reference only):

1. Industrial and Commercial Bank of China: Small account management fee of less than 500 yuan 3 yuan / quarter

2. Agricultural Bank of China: small account management fee of less than 500 yuan 3 yuan / quarter;

3. Jilin Bank: Starting from September 1, 2009, the newly opened account is less than 100 yuan and the small account management fee is 3 yuan / quarter.

4. On April 1, 2010, the Liaoning Agricultural Bank's small account management fee began to increase in price. Less than 500 yuan to receive a small account management fee of 6 yuan / quarter;

5. China Construction Bank: China Construction Bank's small account management fee is charged to personal current deposit accounts (including long-term fixed accounts, excluding quasi-credit accounts) with a daily average deposit balance of less than 400 (excluding) during the statistical period Card and credit card accounts), each household 3 yuan per quarter, charged quarterly;

6, Bank of China: The average daily balance is less than 300 yuan and the small account management fee is 3 yuan / quarter; if the account balance is 600 on that day, it will be counted as two days. (Bank of China debit card does not charge small account management fee)

7, Bank of Communications: small account management fee of less than 500 yuan 3 yuan / quarter; (the Bank's debit card does not charge small account management fee)

, 8 Guangdong Rural Credit Cooperative: Less than 300 yuan for small account management fee 3 yuan / quarter (for bankbooks, debit cards are exempt)

9, China Postal Savings Bank: small account management fee of less than 100 yuan 3 yuan / quarter

2 Small account management fee data 2

China Minsheng Bank: Shenzhen one-time small account management fee of 36 yuan / year is less than 5,000 yuan (5,000 yuan);

China Everbright Bank: Does not charge small account management fees;

CITIC Bank: Does not charge small account management fees;

Hua Xia Bank: Does not charge small account management fees;

Shanghai Pudong Development Bank: Does not charge small account management fees;

Industrial Bank: RMB 3 / quarter is charged for RMB personal current deposit accounts with an average daily balance of less than 300 yuan (inclusive) within 3 months of opening an account, and no account is charged for accounts with an average daily balance of more than 300 yuan within 3 months. There is no charge for accounts opened for less than 3 months. Accounts with designated functions are free of charge.

China Merchants Bank: The average daily deposit balance is less than 10,000 yuan (10,000 yuan), and the small account management fee is 1 yuan / month; (February 2012), Shenzhen and Chongqing areas are 3 yuan / month; Qingdao Branch 5 yuan / month .

Shenzhen Development Bank: The average daily asset of individuals in the comprehensive quarter is less than 1,000 yuan and a small account management fee of 3 yuan per quarter / person is charged;

Guangdong Development Bank: the average daily deposit balance is less than 500 yuan and the small account management fee is 3 yuan / quarter;

Bohai Bank: Does not charge small account management fees;

Hengfeng Bank: Does not charge small account management fees;

Zheshang Bank: Does not charge small account management fees;

Bank of Nanjing: The average daily deposit balance is less than 300 yuan and the small account management fee is 3 yuan / quarter;

Bank of Beijing: Does not charge small account management fees;

Bank of Shanghai: RMB 300 / quarter for small account management fee;

Bank of Tianjin: Less than 300 yuan to receive a small account management fee of 3 yuan / quarter.

Ping An Bank: The average daily balance of the account is less than 1,000 yuan, and the account management fee of 2 yuan / month is charged; ^[3]

Bank of Jiangsu: The average daily deposit balance is less than 300 yuan and the small account management fee is 3 yuan / quarter.

Huarong Xiangjiang Bank: No small account management fee.

Jiujiang Bank Lushan Card: No small account management fee.