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What is the concept of the average daily deposit balance involved in the one-card charge of China Merchants Bank?
What is the answer upstairs? Both ICBC and CCB have it.

If the total assets of all accounts under the same ID card exceed 6.5438+0 million yuan per day, the management fee for the one-card account will be exempted; If it exceeds 50,000 yuan, the management fee for the one-card gold card account will be exempted; In more than 500,000 yuan, golden sunflower card will be exempted from account management fees.

1) passbook account management fee: RMB 1 yuan/month;

2) Management fee for "one card" account: RMB 1 yuan/month;

3) Management fee of "one card" gold card account: 65,438 yuan/month;

4) Management fee of "Golden Sunflower" card account: 30 yuan/month.

The average daily deposit balance should actually be the average monthly deposit balance, that is, the average daily deposit balance is calculated on a monthly basis. For example, if you deposit 300,000 yuan at No.65438+No.0 and withdraw it on No.2, then your average daily deposit balance = 1 day (only one day) * 300,000 /30 days =10000; Or deposit 65438+1 and take it away on the 4th. Your daily average deposit balance =3 days * 100000 yuan /30 days = 10000 yuan.

It's clear now, but there are several situations that can be exempted.

Account management fees are exempted for payroll account, self-service payment account, entrusted payment account, bank-securities transfer account, entrusted wealth management account, enterprise annuity account, credit card-related repayment account and personal asset account (including housing mortgage loan, automobile consumption loan, comprehensive consumption loan and personal pledge loan) being repaid.

Upstairs reply: so you picked it from the newspaper, no wonder it's a mess, it's not technical, you despise it