Is 5 yuan a monthly debit card deduction fee?

The fee for opening a debit card is deducted only once, not every month. When you apply for a debit card at the bank, before you confirm that the card is successful, the bank staff will generally explain to us that the bank card needs to be charged a handling fee and deducted from the balance on the bank card.

But some people are not sure whether the production cost will be deducted once a month. In fact, the production cost is deducted at one time. The cost of production itself refers to the cost of doing something, which refers to the one-time and buyout costs. Therefore, the fee for opening a bank debit card will only be deducted once, not every month.

Mainly by the following situations.

1. Account management fee: At present, most banks have cancelled the management fee, but some banks will charge a small amount of management fee. For example, the account management fee of China Merchants Bank is generally charged on a monthly basis, and the regulations on account management fee will be different in different regions. Among them, Wuxi charges a monthly charge of 1 yuan for all-in-one card accounts with average daily total assets less than 1 million yuan. If the average daily balance is lower than that of 300 yuan, a small account will be charged.

2. SMS notification service fee: When we open an account and apply for a card, the bank staff will generally advise us to open SMS notification service to let us know the fund status of the account in real time. However, this service is also charged. Most banks generally charge 2-3 yuan per month, but some banks even charge 5 yuan/month. If the Postal Savings Bank pays annually, it is 30 yuan/year.

3. Annual fee: At present, the annual fee of most banks has been cancelled, but if our bank card is processed earlier, the system may still charge it, so I suggest you check with the bank.

In short, different banks have different charging contents and standards, even if the same bank handles it in different regions, there will be differences.

legal ground

civil law

Article 509 The parties shall fully perform their obligations as agreed.

The parties shall abide by the principle of good faith and fulfill the obligations of notification, assistance and confidentiality according to the nature, purpose and trading habits of the contract.

During the performance of the contract, the parties shall avoid wasting resources, polluting the environment and destroying the ecology.