According to the regulations of ICBC, the small account management fee is the fee charged for accounts with average daily balance below a certain limit. Specifically, if the average daily balance of your account is lower than 300 yuan RMB (or equivalent foreign currency), ICBC will charge 3 yuan small account management fee every month. The average daily balance here refers to the average balance of the account within one month, including deposits, funds, wealth management and other assets.
It should be noted that ICBC in different regions may have different charging standards and policies. It is best to consult local ICBC outlets or log in to official website for the latest charging standards. At the same time, some account types can be exempted from small account management fees, such as salary accounts, social security accounts, and military security card accounts.
In order to avoid paying the small account management fee, you can choose to keep the average daily balance of your account above RMB in 300 yuan, or transfer the funds to other banks that do not need to charge the small account management fee. In addition, you can also consider opening ICBC's credit card or wealth management services, because these services can often enjoy the preferential treatment of exempting small account management fees.