It's just that China Merchants Bank has relevant regulations: 3 yuan/month/card account management fee is charged for ordinary one-card personal accounts with monthly assets less than 6,543.8+0,000 yuan, but this fee is subject to reduction and exemption conditions: from April 2, 2065.438+04 to June 65.438+04, the average daily assets of customers in that month reached 65.438. So the so-called card needs to be deposited in 1000 yuan, which may be because the counter asked you to deposit 1000 yuan in advance in order to let you enjoy the account management fee reduction.
To apply for a savings card at China Merchants Bank, the relevant process is as follows:
1. The householder needs to bring his ID card to any outlet of China Merchants Bank;
2. Fill in the debit card application form of China Merchants Bank: fill in personal information such as name, address, telephone number and ID card;
3. Submit your ID card and application form at the window, and you can apply for the card. In addition: China Merchants Bank debit card 5 yuan is exempt from the annual fee for the first year, and the daily average deposit of 1 0,000 yuan is exempt from the small management fee;
4. If you need to open online banking, you need to fill in the online banking application form, and the window will give you an envelope to download the certificate. You can download it from China Merchants Bank in official website after you go home.
After the bank opens the card, there is no need to deposit 1000 yuan. When the new card is opened at 24: 00 on the same day, if there is 1000 RMB or more in the card, it is considered that the card is up to standard. The account teller does this to achieve the standard rate, but as a customer of the bank, you don't need to deposit 1000 yuan, just deposit one yuan in it. If the staff doesn't open a card for you, you can complain.
The following are ways for bank consumers to protect their rights and interests:
1. Complain to the business outlets of banking institutions or their superior management departments.
Second, complain to the financial supervision department.
Three, to the local consumer rights protection agencies to claim rights or bring a civil lawsuit to the court.