Where is the SMS service fee APP of rural credit cooperatives deducted?

Bank card SMS notification and debit from bank card.

Bank SMS service is a service provided by the bank, so the cost is deducted from the bank card. Because banks have no right to deduct fees from mobile phone cards. Only the operator has the right to deduct the cost of the mobile phone card. Here, it is a cooperative relationship with operators. Deduct money from the user's bank card to the mobile operator, and then send the SMS to the user's mobile phone. Now banks basically have SMS notification service. When the account is changed, SMS notification is very convenient. But this business is generally charged. Some banks can use it for free for a few months to promote it, but then they will start charging. Usually this fee is deducted directly from the bank card balance.