The Agricultural Bank of China's small-amount account management fee refers to the account management fee charged to debit card accounts with an average daily balance of less than 500 yuan. It is charged once a quarter, with a fee of 3 yuan each time. Since August 1, 2014, the Agricultural Bank of China has, in accordance with the provisions of the "Notice of the National Development and Reform Commission and the China Banking Regulatory Commission on Issuing the Government-Guided Price Catalog for Commercial Bank Services", for customers who do not enjoy exemption from account management fees and annual fees, we will It offers an account with no account management fees and no annual fees.

Nowadays, there are a lot of businesses and there are many various consumption channels. In order to improve consumer services, financial institutions have launched many businesses for cardholders to choose from. For financial institutions, the larger the usage base, the more labor is required, so management fees will inevitably increase. In order to reduce their expenses, financial institutions will naturally charge certain management fees.

Why does the Agricultural Bank of China deduct small management fees?

The Agricultural Bank of China’s charging of management fees is an official requirement of the bank, but it is mainly for users who hold multiple Agricultural Bank of China cards. Users who hold two or more Agricultural Bank of China cards need to pay a small management fee for all cards except the first one. Small management fee is a business that Agricultural Bank of China charges a certain amount of fees every month for accounts whose daily average balance is less than a certain amount.

The first bank card of each bank does not charge a small management fee, but the second one does. In other words, each person has only one Agricultural Bank of China card with no annual fee, and the debit card has no small administrative fees. The daily average deposit balance is the average of the daily deposit balances. During the statistical period, the daily deposit balances are accumulated on a daily basis, and then a small management fee is charged in accordance with the standards of the Agricultural Bank of China.

In general, each person has only one Agricultural Bank of China card with no annual fee. If a small administrative fee is deducted from the user's Agricultural Bank of China card, it may be that the user holds multiple cards, or it may be that the user holds a credit card. There can be one account exemption for a bank, and users can specify an account to request the bank to waive the small account management fee.