If there is no money, will the bank deduct the SMS fee?

1. If the bank card has no money, the SMS fee will not be deducted. Will remind you that the balance is insufficient and the SMS fee deduction failed. Under normal circumstances, if the SMS fee in the card is less than 3 months, the bank will automatically stop the SMS service.

If you deposit money, the bank will deduct the corresponding SMS fee. For cards that are not used frequently, users had better cancel in advance, otherwise the bank will charge SMS fee and service fee according to normal procedures.

3. If the customer's bank card balance is zero within three years, the bank is likely to directly cancel the bank card from the "dormant state", so the SMS notification fee originally owed by the customer does not need to be paid again.

In addition, bank cards generally have an annual fee and a small management fee. For bank cards handled by big banks, customers can only apply for one-time exemption from annual fees and a small amount of management fees. Other bank cards need a lot of management fees and annual fees even if there is no balance.

1. The same bank cannot open more than 4 cards. 20 15 12 the CBRC issued the notice on the banking industry's work related to cracking down on new types of illegal crimes in telecommunication networks (hereinafter referred to as the notice), which stipulates that from 20 16 65438. At the same time, the notice also stipulates that "in principle, the same agent shall not open more than three cards in the same commercial bank. The debit card opened by the agent can only be used after the agent takes his valid ID card to the counter to activate the card. " The notice also requires that for customers who already have more than four debit cards, banks should take the initiative to contact customers for verification, and if they find that they are unwilling to handle it, they should suspend their services.

2. Annual fee: The annual fee of bank card refers to the fixed fee charged by Chinese commercial banks for bank accounts every year. The annual bank card fee is charged once a year, and the bank withdraws it from the account. From August 1 2007, the annual management fee for bank cards began to be cancelled, and some basic financial service charges of commercial banks were suspended. The four major state-owned banks continue to charge annual fees. Medium-sized comprehensive commercial banks such as Minsheng Bank, Industrial Bank, China Everbright Bank, China Merchants Bank, Ping An Bank, Shanghai Pudong Development Bank and China CITIC Bank all have no annual fees. Industrial and Commercial Bank of China, Agricultural Bank of China and China Construction Bank will charge an annual fee of about 10 yuan.