Provisions for reducing or exempting account management fees are as follows:

1, the salary account, starting from 20 11July1,is judged according to the salary transaction within six months.

2. Withholding expense account (with withholding transaction records in the previous 2 months) 3. Self-service payment account (payment transaction in the previous 2 months) 4. Bank-securities transfer account (transfer transactions in the previous 3 months) 5. Entrusted wealth management account 6. Enterprise annuity card

7. "All-in-one Card" gold card and "Sunflower" card account under the customer's ID card.

8. Red Cross donation account (donation transactions in the past 12 months)

9 as long as the personal asset account (including housing mortgage loans, automobile consumption loans, comprehensive consumption loans and personal pledge loans, personal business loans, etc.). ) is repayment, as long as the card is used as the repayment account, and there is no outstanding loan for repayment transaction, the account management fee including the secondary deduction account can be reduced or exempted.

Note: If the loan is not paid to this account, it will not be reduced. For example, there are loans and repayments, easy consumption or easy transfer. Only one credit line has been applied, but there is no loan and no repayment. In this case, the account management fee will not be reduced.

10, credit card automatic debit account (including personal card account of associated credit card, large installment account (e-car purchase, home improvement installment) and personal debt business card account; Based on the validity of the related agreement, there is no need to generate a deduction record in the current month)

1 1, co-branded card (all-in-one card)

12. Pension accounts, subsistence allowances accounts, medical insurance accounts and unemployment insurance accounts are exempt from account management fees, and customers need to provide relevant certification materials issued by effective institutions such as government agencies, neighborhood committees and work units (implemented on July 1 1);

13. Credit card direct selling team (DS) will cross-sell one card (only ordinary "one card", excluding M+ magnetic stripe card), and will not charge account management fee for the time being.

From 14, 20 14 65438+ 10/0, the total daily RMB assets of customers will be fully converted to 1 000 yuan (inclusive), and any credit card consumption or online/mobile banking transfer, payment, living payment, etc. will be handled.

All-in-one card is a savings card and a deposit and withdrawal bank card.

One-card remote bank withdrawal: 5‰, with the lowest in 5 yuan and the highest in 50 yuan.

If you don't open a card, you will also charge an account management fee.

All-in-one card can open the automatic debit function of credit card, so that you can deposit the repayment funds into the all-in-one card and return the money to the credit card on the debit day. It's convenient for you to return your credit card.