What does the bank’s normal charge for personal SMS transfer account expenses mean?

The bank's personal text messages are normally charged for transition account expenses:

The transition account expense is an internal accounting account of the bank. It is mostly used for transitional settlements such as acceptance bills or personal remittances, such as pending or wrong accounts. If the account has signed up for the SMS service, the service fee will be deducted on a monthly or quarterly basis. The fee will be transferred to the transition account first, and then accounted for by bank accountants.

Supplement: What is personal text message

Personal text message means that there is a change in the account balance. CCB will notify you via text message that the change in the account balance is a value-added service fee.