A new ICBC card was opened, and the annual fee, courier fee and card replacement fee were deducted this morning. Is this normal?

This is normal. The bank card cost is 5 yuan/piece, and the bank card cost is charged for card opening or card replacement. The deducted 9.75 yuan is the annual bank card fee, which should be 10 yuan/year. The card opening and card replacement fee of a bank card contains two meanings, namely, card opening fee and card replacement fee. The bank card cost is 5 yuan/piece, and the bank card cost is charged for card opening or card replacement. Card opening fee, also known as account opening fee, generally refers to the fee charged when a bank opens a savings card (debit card). 5 yuan will be collected in one lump sum, which will be withheld together with the annual fee.

Bank card courier fee:

Bank card courier fee: the fee charged by the bank for information services that send various financial and accounting information to customers by SMS, email, etc. Most banks don't charge this fee, but several are already charging courier fees. Courier fee refers to the fee for opening courier service, that is, SMS notification service fee.

The short message notification service is a short message prompt sent by the bank when the funds in the personal account change. Opening this service can effectively protect the security of account funds.

How to cancel the courier fee of ICBC?

Take glory 9x EMUI (system 9. 1. 1) ICBC APP (version 5. 1.0) as an example:

Step 1: Open ICBC on the mobile phone, enter my interface, and click ICBC Messenger;

Step 2: After entering the ICBC Messenger interface, click Manage Messenger and select the bank card to cancel;

Step 3: After entering, uncheck SMS and click Modify;

The fourth step, we can see that the courier fee has been cancelled. Click OK.

Step 5: Click OK, and ICBC's courier fee will be cancelled successfully.

Is there an annual fee and management fee for ICBC card?

Yes, but at present, ICBC will reduce the annual fee and management fee of a bank card. A bank card (savings card) has three kinds of fees, namely, handling fee, annual fee and small account management fee. The handling fee is the cost of handling the card, and the system will automatically deduct the fee after the bank card deposits money.

The annual fee is collected once a year, generally 10 yuan, and the small account management fee is collected once a quarter. Generally, the average daily balance of bank cards is lower than the amount stipulated by the bank, and there is no charge for higher than the amount stipulated by the bank. The charging standard is subject to the bank. In addition, SMS reminders are charged monthly and annually. The charging standards of different banks are different, and the charging standards are subject to the bank.

The conditions for exempting ICBC debit cards from annual fees are as follows:

1. Savings cards and wealth management account cards used by banks to pay wages, pensions, subsistence allowances, medical insurance, unemployment insurance and housing provident fund are exempt from annual fees.

2. When new customers open cards (including ordinary cards, military insurance cards, social security cards, etc.). ), the annual fee will be automatically reduced.

3. If the customer's existing account is free of annual fee, he can't apply for annual fee exemption.

4. If a customer's ICBC account does not enjoy the annual fee exemption, he/she can bring his/her valid personal identity certificate and savings card to any business outlet of the bank, and a savings card under his/her name can enjoy the annual fee exemption. (Whether the specific exemption conditions are met shall be subject to the provisions of the outlets). Customers can find someone to handle, inquire about and change the annual fee-free account business, and agents can provide valid certificates for two people.

The annual fee of savings card is actually a fixed fee charged by the bank for savings card every year. However, ICBC wealth management account cards (including wealth management account cards) are temporarily exempt from annual fees. But if the annual fee is not reduced, it will be charged according to the standard of 10 yuan/card/year.

Generally speaking, the annual fee for the first year of ICBC's LinkedIn Card will be directly charged by the outlets when the card is opened, or automatically deducted from the account after the card is opened. As for the future annual fee, it will be automatically deducted from the account one year after ICBC successfully collects it in full. However, if the balance in the card is insufficient, it will be deducted according to the actual balance of the account first, and it will be automatically replenished at the end of each month. If the overdue period exceeds 1 year, the overdue amount will still be calculated according to the annual fee of 1 year, and will not be accumulated.