Financial channel> College of Finance> How can we not pay micro-account management fee?

How can we not pay micro-account management fee?

Edit: kristina Source: melt 360 finishing Date: 2015-06-26

Summary:

Micro-account management fee is a small amount of bank deposits for the amount of small accounts, the provisions of the collection of account management fees. Micro-account management fees to implement the market regulation price, the bank has full autonomy pricing. In general, when the average daily account balance is less than 300-500 yuan, will be quarterly

 

  Small account management feesIs the bank for a deposit of a certain amount of small accounts, the provisions of the collection of account management fees. Micro-account management fees to implement the market regulation price, the bank has full autonomy pricing. In general, when the average daily balance of accounts is less than 300-500 yuan, micro-account management fees of 1-6 yuan will be charged on a quarterly basis.

 

How can we not pay micro-account management fee?

 

Method one: apply for a free bank account

 

Everyone in each commercial bank can have a free account. Debit and credit card account management fee for relief, I need to hold ID card and designated bank card, take the initiative to the counter to apply. In most banks, to reduce this fee, not only the original account needs to be applied, but even if the first account is newly opened, the bank charges "default" if the customer fails to make an application when opening an account.

 

Method 2: meet the daily average account balance requirements

 

Average daily deposit balance is the average daily balance of deposits, that is, the statistical period of the daily deposit balance is accumulated by days, divided by the number of days in the statistical period, is the average daily deposit balance.

 

Specifically, you can deposit enough money in the card, such as the provisions of deposit 300 yuan without charging micro-account management fees, then save 300 yuan, you can also put the money in a small circle in a single account every month, or To 300, for example, as long as one day to ensure that the deposit account number of not less than 9000 on the line.

 

Method three: the balance of all removed

 

Directly to the small account all the money out, the balance becomes zero, then the bank no way deducted! However, this card is not to be used anymore, the bank will cancel out dormant households.

 

All comments

                                No comment, you need to stand up to express their views!