The annual fee will be deducted no matter how much you keep. Related to the balance is the management fee.

Construction Bank Savings Card Regulations:

The CCB Savings Card charges an annual fee of 10 yuan per year. If the account balance in the card is less than 300 yuan, there is a management fee of 3 yuan per quarter. When the account balance reaches zero and there is no transaction record for three consecutive years, it will automatically be converted into a "sleep account". If there is no transaction for four consecutive years, the account will be automatically closed.

At the same time, the annual fee (10 yuan/year) and small management fee (12 yuan/year) can be canceled for the China Construction Bank Savings Card, but you have to go to the business hall to cancel, and you can only cancel one card. Cancellation of annual fees is required by the state, but banks do not take the initiative to cancel. Other banks also have to go to the counter to cancel. Each bank can only cancel one annual fee.

For ordinary gold cards or regular cards, the annual fee is waived in the first year of opening the card, and then the annual fee is waived for the following year by swiping the card three times a year. However, the annual fee of 200 yuan for a car card cannot be waived. The annual fee policy of the Platinum Card is also different from that of ordinary cards. Currently, one person can designate a bank card at a bank to cancel annual fees and small management fees.

Extended information:

How to apply for CCB annual fee exemption

Go to the business hall to apply for CCB annual fee exemption. You cannot pay the CCB annual fee on your mobile phone. Cancel on. After explaining your situation to the staff at the CCB branch, they will assist you.

The following types of savings cards are exempt from annual fees:

1. Personal accounts designated by government departments that must be handled by our bank (mainly refers to accounts with exclusive functions designated by government departments, Accounts that cannot be selected by individual customers) are exempt from annual fees;

2. Salary payment accounts, basic pension (including retirement pension) accounts, minimum living allowance accounts, medical insurance accounts, and unemployment accounts contracted with the Bank Insurance accounts and housing provident fund accounts are exempt from account management fees and small account management fees.

3. Among the CCB personal credit cards, the annual fee for the main card of the ordinary card is 80 yuan, the annual fee for the supplementary card is 40 yuan, the annual fee for the main card of the gold card is 160 yuan, the annual fee for the supplementary card is 80 yuan, and there are 3 transactions per year ( (including card swiping and cash withdrawals), with no annual fee for the current year;

4. The standard platinum credit card among CCB personal cards has an annual fee of 580 yuan for the main card and an annual fee of 300 yuan for supplementary cards, with 18 transactions per year (including card swiping and cash withdrawals) ), the annual fee for the current year is waived;

Reference: China Construction Bank-Charge Standard