Five strokes avoid bank small account management fee [GO]

Bank for a certain amount of small accounts, the provision of a monthly fee of 1 yuan of small account management fees, this rule although many depositors feel uncomfortable, but also helpless, the money in the account, the bank to buckle you have what way? If the depositor's account has 96 yuan, deducted 12 yuan every year, about eight years after the account will be out of money, this is the status quo.

For the bank's small account management fee, the bank is saying that because the existence of the bank accounts have management costs, the small account charges, is to stimulate the depositors to write off the surplus small accounts. Some savers really like to keep some small accounts, but do not want to pay small account management fees, the author gives several ways for depositors to reference.

The first approach is to meet the bank's requirements and reach the lower limit of funds. If the bank says that the deposit of $300 does not charge a small account management fee, then we will save $300, although the interest rate is low, but it will save $12 a year. But it always gives a feeling of discomfort, as if you have lost.

The second way is to deposit or buy 1 of dollars in the account, many banks, as long as the account has a foreign exchange balance, free account management fees, so buy 1 dollars, regardless of the rise and fall, when the free card use, 6 yuan for all future small account management fees more cost-effective, and this 1 dollars will still be able to withdraw or sell.

The third way is to sign a silver card transfer agreement, now many brokers can open a number of bank transfer accounts, then depositors only need to put their own stock accounts and bank accounts linked to open a silver card transfer business, you can exempt from small account management fees. A similar approach would be to open a mobile company's money collection business and withhold insurance premiums in a bank, which would allow banks to waive small account management fees.

The fourth option is to set up this account as a credit card automatic repayment account. That is, depositors can apply for a credit card at the bank and set the account as the debit account for automatic repayment, and the bank will also be exempt from the small account management fee. This approach can also solve another problem, that is, the problem of small account password forgetting. Some banks forget the password to report the loss, the loss of the loss of the report fee, if the bank account balance only 10 yuan or so, or depositors do not remember how much balance, then 10 yuan loss of fees will appear a little more, then depositors use credit card consumption, and then do not repay, to the final repayment day next day, The bank will transfer the balance repayment in the small account, less than some depositors will be able to enjoy the service if they pay off within 3rd of the final repayment date (the individual banks do not have the service, please consult the Bank service before using). Then depositors can take the money out without a password and the account can be ignored.

The fifth method is simple and rough, directly to the small account of the money is taken out, so that the balance into 0, then the bank is willing to buckle how much good, anyway there is no money! However, this card will not be used again, the bank will be the dormant account for you to write off.

Five strokes avoid bank small account management fee [GO]