Will the monthly SMS service fee and annual fee be deducted if there is no money in the bank card?

1, SMS service will be cancelled automatically.

2. "Annual fee" According to the Measures for the Administration of Service Prices of Commercial Banks, which was formally implemented on August/Kloc-0, 2065438, commercial banks should provide customers with accounts free of account management fees (including small account management fees) and annual fees (excluding credit cards and VIP accounts).

This exemption requires customers to apply, that is, users with debit cards from relevant banks can apply to the corresponding banks for exemption from the annual fee and account management fee of one of the cards. In this context, if it is a new card and it is the only debit card of the bank, in principle, the annual fee and account management fee are directly exempted at the card processing stage, but the implementation of each bank is different.

2065438+In July 2007, the National Development and Reform Commission and the China Banking Regulatory Commission jointly issued the Notice on Cancellation and Suspension of Some Basic Financial Services Charges of Commercial Banks, proposing to cancel this annual fee and management fee again. Although commercial banks have been required since August 2065438+2007 that "the only account opened by customers in our bank shall be exempted from account management fees and annual fees."

However, from the reality, unless the depositor actively applies, the bank will not actively inform the depositor of the small account management fee and the preferential measures to waive this fee, especially for depositors with multiple bank cards under their names.

At the same time, compared with some small and medium-sized banks that have exempted small account management fees and annual fees, or opened counters, online banking and mobile banking to apply for "double exemption", most of the processes of state-owned big banks are more "troublesome". They have to go to the counters of bank outlets to check whether they meet the conditions for reduction and exemption, and at the same time take the initiative to apply for reduction and exemption.

Extended data:

The service price of banks should be transparent.

1. Commercial banks shall disclose service price information in accordance with regulations.

A commercial bank shall promptly and accurately publicize the service items, service contents, service prices, applicable objects, document numbers of government-guided prices or government-set prices, effective date, consultation (complaint) contact information, etc. in a prominent position in its business premises. All kinds of service price items publicized shall be numbered uniformly.

2. Commercial banks shall take the following measures to protect the relevant rights and interests of customers:

(1) Providing a relevant service price list or instruction manual in a prominent position in the business place for customers to consult for free. Conditional commercial banks can disclose service price information through electronic display screens, multimedia terminals and computer inquiries;

(2) If there is a commercial bank website, the service price list or instruction manual shall be publicized in a prominent position on the homepage of the website for customers to consult for free;

(3) Where self-service channels such as e-banking are used to provide services, the price of relevant services shall be prompted to customers before charging service fees, so as to protect the right of customers to choose relevant services;

(4) Clearly define the regional scope of business coverage of each branch in the same city, inform customers through publicity of business premises, brochures, websites, etc., and provide 24-hour inquiry channels. The business coverage area of the same city shall not be less than the administrative divisions of prefecture-level cities, and the same municipality directly under the central government, provincial capital cities and cities with separate plans shall be included in the category of the same city.

3. Commercial banks should remind customers to provide real and effective contact information, and notify the bank in time after the relevant information changes, so that commercial banks can inform customers in time according to the contract when adjusting service prices.

4. Where the service price information publicity of commercial banks involves preferential measures, the effective date and termination date of the preferential measures shall be clearly marked.

5. When a commercial bank raises the service price with market-regulated price, it shall publicize it in accordance with the provisions of these Measures at least three months before implementation, and notify relevant customers in writing, telephone, SMS, email and other forms agreed in the contract when necessary.

The newly established service charge items of commercial banks with market-regulated prices shall be publicized in accordance with the provisions of these Measures at least three months before implementation.

6. When a commercial bank accepts the agency business charges entrusted by other units, it shall inform its customers of the customer name, service items, charge amount and contact information for consultation (complaint), and clearly mark the above information in the confirmation documents provided to customers.

7. Commercial banks should strictly implement the relevant provisions on service price information disclosure. Before providing services to customers, relevant service items, service prices and preferential measures (including effective date and termination date) should be informed, and customers can provide relevant services only after confirming to accept the service prices; If the customer clearly indicates that he does not accept the relevant service price before using the service, he shall not force or force the customer to accept the service in disguise.

8. For banking services that need to sign contract documents such as service terms and agreements, commercial banks should clearly indicate the service items or service contents, service prices, preferential measures and their effective and termination dates, price-related exceptions and restrictive clauses, consultation (complaint) contact information and other information in the corresponding contract documents in an easy-to-understand, clear and striking way.

Phoenix Net-The bank card has been "double-free", and you are still being charged quietly.