Small account management feeIt is the bank’s account management fee that is charged for small accounts with a certain amount of deposits. Small-account management fees are subject to market adjustment prices, and banks have sufficient discretionary pricing power. In general, when the account's average daily balance is less than 300-500 yuan, a small account management fee of 1-6 yuan per quarter will be charged.
How can I not pay a small account management fee?
Method one: Apply for a free account with the bank
Everyone can have a free account at each commercial bank. For the deduction of the debit card account management fee, I need to present my ID card and designated bank card and apply to the counter. In most banks, if you want to reduce this expense, not only the original account needs to be applied, even if it is the first new account opened, if the customer does not initiate an application when the account is opened, the bank will “default” charge.
Method Two: Meeting the Lower Limit of Average Daily Balance of Accounts
The average daily deposit balance is the average daily deposit balance. That is, during the statistical period, the daily deposit balance is accumulated by days, divided by the number of days in the statistical period, which is the average daily deposit balance.
Specifically, you can deposit enough money in the card. For instance, if you want to save 300 yuan, you don’t need to charge a small account management fee. That's 300 yuan. You can also transfer your money to a small account every month. Taking 300 as an example, you only need to ensure that the number of deposits on your account on one day is no less than 9,000.
Method 3: Remove all balances
All the money in the small account is directly taken out, the balance becomes zero, then the bank has no way to deduct it! However, this card will not be used anymore, and the bank will cancel the account of the dormant user.