Bank cards are always short of money, one to twenty yuan at a time, without any SMS reminder. What happened?

For the lack of bank cards, many people's first reaction is whether the bank secretly deducted my money? In fact, this is a typical persecution paranoia. In reality, any fund change in the bank card can be traced back (transaction time, transaction object and transaction amount). The easiest way is to log in to online banking or mobile banking and inquire about the historical transaction information of the account. If some only show quick transactions or no transaction objects are found, you can also print statements at the bank counter and check them one by one. You will find that every little money you have is traceable.

Why is 10 and 20 yuan missing?

From time to time, one or twenty dollars are missing from the bank card, and the amount is not large. In this case, there are two biggest possibilities: one is that the bank deducts money by itself; Second, your bank card has a withholding agreement.

1, bank's own expenses

Although the Notice on Cancellation and Suspension of Some Basic Financial Services Charges of Commercial Banks issued by the National Development and Reform Commission and the China Banking Regulatory Commission on 20 17 contains provisions on cancellation, annual bank card fees and small account management fees, the provisions are only for one account. If you have two or more bank cards in this bank, the remaining bank cards will still be charged according to relevant regulations.

At present, the annual fee of bank card is generally 10 yuan/year, while the management fee of small account (the average daily deposit in the account is lower than that in 300 yuan) is generally 3 yuan per quarter, equivalent to 12 yuan/year; In addition to the above two fees, if you still handle SMS notification in the bank, the monthly SMS notification fee is between 1-3 yuan/. Therefore, if the above situation exists in your account, it is very reasonable for the bank to deduct the fees regularly according to the prescribed charging standards.

2. Withholding agreement

After signing the withholding agreement, many people forget the relevant withholding because of a long time, and from time to time, they will feel lost by reducing 10 to 20 yuan. To give a simple example, the current video/music/takeaway software app generally has a continuous monthly fee for members (the continuous monthly fee is relatively low). If you sign a bank card withholding agreement for this kind of app, the bank will automatically deduct the corresponding funds in the card for payment at a fixed time every month.

Why is there no SMS reminder?

Many people are not averse to reasonable deduction. They are disgusted with the direct deduction of fees without any notice. Then why did the bank directly deduct the fee without SMS reminder? Theoretically, there are three main situations:

(1) SMS notification is not enabled: SMS notification from the bank is not free, and the monthly fee is between 1-3 yuan/. If there is no SMS notification on your bank card, then the bank will definitely not send you a SMS reminder of the deduction.

(2) The amount is small: in reality, not every bank will remind you of every fund change, and some banks will not remind you of the fund change below 100 yuan by SMS (in this case, the SMS notification fee is generally low, such as 1 yuan/month), so if this is the case with your bank card, it is reasonable not to notify you by SMS.

(3) SMS is intercepted: Although the SMS sent by the bank is regular SMS, it does not rule out that you neglected to blacklist the bank account or the mobile phone system made a misjudgment, which led to the interception of the SMS notification of the bank. You can check the spam messages in your mobile phone.

How to use the account balance change notice for free?

Although the cost of SMS notification is not high, as long as it involves charging, there will always be people who are unwilling to spend the money. So is there a free way to know the change of bank account balance? The answer is obvious, yes! At present, many banks have opened WeChat Bank. If you bind your bank card to the official WeChat account of the bank, whenever the fund balance of the bound bank card account changes, the official micro of the bank will initiate the news of account change, and the news of this change is of any amount, and only if there is no change above 100 yuan will you be notified.

abstract

At present, the bank is the safest fund storage unit in China, and the bank has formulated multiple protection measures for the safety of customers' funds, so you don't have to worry that your money will be transferred away for no reason. Any change in bank funds can be queried through the system for the specific transaction information due, so the deduction of 10 to 20 yuan does not mean that the bank is stealing your money, but is deducted according to the rules on the basis of facts, so don't worry too much!