How to check the balance of the bank card without SMS notification?

Some time ago, a 59-year-old aunt from Pingdingshan, Henan Province boarded a hot search because millions of deposits in her account had disappeared and she still owed China Construction Bank 6,543.8+0.3 million yuan. At one time, netizens left messages one after another, some comforting the elderly, some angrily accusing the banks, and some making good suggestions. Among these opinions, I think one speech is particularly meaningful.

A netizen said: haven't you been keeping money in your account for more than ten years? No SMS reminder? How big is this heart to dare to do this?

This problem really deserves reflection. Although the major banks have the highest degree of protection for depositors' funds, we should not take this lightly. It doesn't mean that putting money in the bank means absolute security, and depositors should feel safe.

How to ensure the safety of your own funds?

As the netizen above said, we must at least have a way to ensure that the money we deposit in the bank is safe every time, and we must ensure that our money goes into the bank account.

Then how do you make sure that your money is in the account?

At present, SMS notification is the most basic and commonly used way to ensure that the money has entered the account. When you go to the bank to apply for a new bank card, you will usually open a SMS reminder. On the one hand, this service is really not expensive, on the other hand, it can receive changes in account funds in time.

In addition to SMS notification, there are several other ways to ensure the safety of your account funds.

Confirm by receipt, receipt and other traditional methods.

After the general deposit business is completed, the counter staff will give the customer a receipt, which is the best proof. For the deposit made through the bank self-service machine, you can choose to print a small receipt after completing the deposit according to the voice prompt. These receipts have the same effect as those issued by the counter.

New confirmation methods such as WeChat official account and mobile banking APP.

With the diversified development of the financial industry, banks have launched a new way to inquire about account funds. Customers can check their account balance and details by logging in to mobile banking, or by logging in to official WeChat accounts of various banks. These methods are more convenient and do not require any fees.

There is no uniform criterion for choosing which way to check the balance of your bank card account. You can choose one method or multiple methods at the same time. Methods vary from person to person, but we still offer some suggestions:

Bank cards that are not commonly used do not need SMS reminders, but can be queried through the official WeChat account.

The bank's SMS service is charged monthly, not per call. In recent years, the short message fee in the bank has also risen. For example, the SMS fee in my own ICBC has risen from 2 yuan/month to 3 yuan/month, and I need to pay more 12 yuan a year.

If you have a dozen bank cards with SMS reminders, but only one or two are commonly used, the SMS service fee is several hundred yuan a year, so it is really unnecessary to do so. Our suggestion is that you can choose to cancel several cards that are not commonly used, and cancel their SMS service fees if you don't want to cancel them.

Commonly used bank cards will continue to provide SMS services, which will be used in conjunction with official WeChat accounts and mobile banking apps.

Although the official bank WeChat account and mobile banking can also query all kinds of bank information, sometimes we don't want to log in to these accounts, so it is the most convenient and simple to keep the SMS service. As long as there is any trouble in the bank account, we can know all about it.

Cartoon short message card chooses annual fee package service.

I believe everyone has received this kind of information from the bank, and the bank SMS reminds customers that they can go to the bank to handle the SMS annual package service. It will be cheaper for the bank to charge SMS for one year than to deduct it every month. Since the customer intends to open SMS service in the bank, he might as well take some time to go to the bank to do this package, and the money saved can also be used to buy individual things.

Choose a commercial bank that does not charge SMS fees.

Some people want to open SMS reminder service, but they don't want to give money. In fact, there are ways. There is no need to think about the four major state-owned banks, but local commercial banks basically raise the SMS service fee for customers free of charge. If you trust these banks, you might as well change the commonly used bank cards to these banks. The service attitude of small banks is generally better than that of big banks.

In short, there are many ways to ensure the safety of your bank account funds. SMS is the most commonly used and simplest method, but it is not the only one. In today's diversified development, banks have also made many changes. If you just don't know these query methods, you can try it and the effect is really good.