The bank's mobile phone SMS reminds that there is a SMS fee every month. Will the bank be detained if it has no money, and will it be overdue in the future?

The short message service is opened on the bank card, and there will be a short message reminder if there is no money in the card. If there is money in the card, it will be recharged automatically, and if there is no money, the service will be suspended. The service of each bank is different. If some bank cards are not used for a long time, the bank will automatically cancel them. But some banks keep personal accounts. Now all major banks have their own mobile banking app, and a lot of information can be queried through the app, such as checking the balance and checking the running bill. If you don't want to pay this SMS fee, you can go to the bank to cancel this service. Some banks' SMS messages are free, but basically most banks' SMS services cost money; Generally, it is the default when opening a card. If you want to cancel, just go to the bank and change it. Very convenient.

Reasons for opening SMS reminder service on bank cards;

1. First of all, the elderly rely on SMS to remind them. For many old people now, they still can't use smart phones. So you can't use mobile phone software to check the balance. Therefore, it relies heavily on the bank's SMS reminder service. Therefore, receiving SMS reminders has become a more convenient way for them.

Secondly, I am afraid that my account will be stolen. At present, many people's accounts are linked to securities accounts, wealth management and WeChat payment. After opening SMS, you can receive SMS notification and reply as soon as your account changes.

In fact, SMS notification fees are generally collected by big banks, and such bank outlets are all over the country, with many customer groups. Take ICBC as an example, the number of customers is as high as 500 million (basically one in three people has an ICBC card). It is not cost-free for banks to send SMS notifications to customers, and the function of SMS notification needs to be realized through communication operators. Therefore, banks need to pay SMS fees to communication operators. But you know, the cost of sending text messages by banks is extremely low. We know that the short message fee of communication operators is generally 0. 1 yuan/message, while the average short message sent by banks to customers in a month is basically around1message. Obviously, for a bank with a huge user group, it is still a big expense to charge a monthly SMS fee of two yuan and three yuan.