What does the current account change notification service mean?

Current account change notification service is a service that binds current account with mobile phone. Once the account changes, such as deposit, withdrawal, transfer, etc., it will be sent to the user's mobile phone by SMS. The current account change notification service is charged, and most banks charge 2 yuan every month; Some banks charge an annual fee, usually in 30 yuan.

The funds in the current account can be withdrawn at any time, either by writing a check in the bank or by writing a check to others. Through the account change notification service, you can know the change and use of funds in the account in time, which is helpful to master the funds in the account.

Bank card current account change notification service is generally a fee-based service, and the cardholder can decide to turn it on or off according to the actual use.

Current account is the most common account in banks, and the funds are paid by customers. Customers can also ask the boss to transfer their salary or salary to the account through bank credit remittance. Although some customers only use their accounts to pay by appointment payment authorization or direct debit, customers usually pay by check. Funds can be withdrawn at any time, either by writing a check at the bank where the account is opened or by writing a check to others.

A current account should always have a credit balance unless there is an overdraft arrangement in advance. These arrangements include the "limit" agreed by both parties on the books, and the withdrawal shall not exceed this limit.

The interest is based on the benchmark interest rate of the bank plus percentage points, calculated according to the daily overdraft, and debited to the account every six months. Any authorized overdraft, whether it is used or not, can also be charged with the special expenses promised by the bank to arrange overdraft and funds. Overdraft accounts may need to be secured.

When there is a credit balance in the current account, the bank does not pay interest. Instead, the bank will charge according to the number of transactions handled by the account. If fees are charged, they will be debited to the account quarterly or semi-annually.

Most banks do not charge for the money transferred to their accounts, but charge for the money debited, such as cheque payment, regular payment and direct debit. The costs of these items are calculated by the bank's computer quarterly or semi-annually, and these costs are offset by the "nominal" interest rate of the average credit balance of customers during this period. Although there is no interest on the account, if the "nominal" interest rate exceeds the cost of the debit item, there is no charge.

At present, all banks publish the charging standards, or explain the charging standards to customers, or explain them when potential customers ask.

Current account users have the right to handle most of the services of the bank.