Some areas have this policy;

China Merchants Bank charges 1 yuan a monthly management fee for ordinary "China Merchants Bank Card" accounts and passbook accounts with an average daily total asset balance of less than 1, yuan under the same ID card in the same branch; For the "China Merchants Card" gold card with an average daily total asset balance of less than 5, yuan, China Merchants Bank will charge 1 yuan management fee every month, and for the "Golden Sunflower" card with an average daily total asset balance of less than 5, yuan, China Merchants Bank will charge 3 yuan management fee every month.

under normal circumstances, some special accounts in China merchants bank can be exempted from account management fees.

(1) payroll account; .

(criteria for judging whether the account is a payroll account: the system will automatically judge whether the account has a payroll transaction (transaction code is SA, FE, PZ, CP) within a certain period. In principle, the judgment period is set as 3 months, that is, only one transaction is required within three months. Only accounts that use this function are allowed, and other accounts under the name of customers with such accounts do not enjoy preferential treatment. )

(2) enterprise annuity account;

(Only accounts that use this function are allowed, and other accounts under the customer's name with such accounts do not enjoy preferential treatment. )

(3) Personal asset account being repaid;

(including housing mortgage loan, automobile consumption loan, comprehensive consumption loan and personal pledge loan, etc.), only accounts with this function are used, and other accounts under the customer's name with such accounts do not enjoy preferential treatment. )

(4) self-service payment account;

(Only accounts that use this function are allowed, and other accounts under the customer's name with such accounts do not enjoy preferential treatment. The head office stipulates that a self-service payment transaction has occurred within half a year, but the details shall be subject to the provisions of branches.)

Note: withholding accounts are also not entitled to free discounts.

(5) Bank-securities transfer account;

(Only accounts that use this function are allowed, and other accounts under the customer's name with such accounts do not enjoy preferential treatment. )

(6) entrusted wealth management account;

(Only accounts that use this function are allowed, and other accounts under the customer's name with such accounts do not enjoy preferential treatment. ) In general, different cities have different policies for charging one-card fees. Some cities do not charge annual fees for one-card debit cards (general cards), while some cities charge annual fees for one-card gold cards and platinum cards (golden sunflower card). In addition, there are small account management fees, some of which are free, some of which are charged by 1 yuan/month, and some are charged by 3 or 5 yuan/month.