The small account management fee is a small account that the bank has a certain amount of deposits, and the account management fee is set. The small account management fee is subject to market adjustment, and the bank has sufficient independent pricing power. Generally speaking, when the average daily balance of the account is less than 300-500 yuan, a small account management fee of 1-6 yuan will be charged every quarter.
How can I not pay a small account management fee?
Method 1: Apply to the bank for a free account
Everyone can have a free account at each commercial bank. To apply for the deduction of the debit card account management fee, I need to take the ID card and the designated bank card and apply to the counter. In most banks, if you want to reduce this fee, not only the original account needs to be applied for, but even if it is the first account opened, if the customer does not take the initiative to apply, the bank will "default" the fee.
Method 2: Meet the minimum daily balance of the account
The daily average deposit balance is the average of the daily deposit balance. That is, the daily deposit balance is accumulated by day in the statistical period, divided by the number of days in the statistical period, which is the daily average deposit balance.
Specifically, you can deposit enough money in the card, for example, if you save 300 yuan without charging a small account management fee, you can save 300 yuan, or you can transfer the money in a small account every month, or Take 300 as an example. Just make sure that the number of deposits in your account is not less than 9000 one day.
Method 3: Take out all the balances
Directly take out all the money in the small account, the balance becomes zero, then the bank has no way to deduct! However, this card should not be used anymore, and the bank will cancel it according to the dormant household.