Those of public bodies EDF public Treasury

In establishing transparency on all bank charges, the Act of January 3, 2008 boosted the frontal clash between the traditional banking networks and their online counterparts. But this confrontation occurs at a time where the "real" banks online are more "outsiders" in the past, reserved to young, new technologies enthusiasts customers. They appear instead as the rivals with convincing weapons as including remain "open" at times where the wickets are closed for a long time.

Moreover, customers not to is wrong. From Vincent wireworm, President of Boursorama, they are some "2,000 to open an account each month." An acceleration due as much to the success of an original economic model to a crisis where the client has become more demanding, suspicious... "Multiplied by the number of clients, the bank charges are a real bonanza for the so-called"traditional"banks But they could not resist the appeal of the Web and also provide an online service. The consultation of the account is of course free, but is different management (transfers...), which is more often pay (monthly or annual subscription).

The cost of incident capped

Overall, there are two categories of fees: the first are related to banking and the latter incident for lack of provision. In both cases, it should be "track" because they have a cost... and especially their lists elongate over the years. Side payment incidents, a decree of November 2007 came in Cap charges. For example, for a dishonoured cheque for an amount less than EUR 50, the cost may not exceed 30 euros. Finally, the cost of rejection of a transfer or a levy for failure or insufficiency of provisions are limited to 20 euros. For costs related to the operation of an account, the rates are displayed in agencies, on the websites of banks, and may be subject to a consignment grouped with the statement of account. All changes must be reported three months before their application and the client has two months to express his disagreement. Finally, the Bank should be reported by a pictogram fees collected on the account. A commendable when readability effort the issue of "transparency" has become a real business issue. The cost of the transfers and withdrawals differs from one bank to another. Those of public bodies (EDF, public Treasury...) are almost always free. For those of the private sector, they may be charged to the establishment, in the Act, or both. Opening an account is free, the fence without specified have the ground also... But only since 2005. And then, attention: even if the account does not work, it must inform his banker written of his departure, otherwise the pay services attached to the account will continue to be collected.

"Mobility guide".

Since March 1, 2005, the banks are committed to provide a "mobility guide" to help the individual in the steps to follow to change the Bank. In parallel, the client therefore may apply to the Bank a summary record of the recurring transactions (free to Société Générale, 30 euros to Crédit Agricole) transiting on his account. Charges, it is clear that different formulas and proposed conditions do not facilitate comparison. In addition, rates may be significantly different from one region to another. In any event, nothing prevents an individual to negotiate. According to the interest that he is his bank, it may even get some services free of charge or at more attractive rates, while others will be applying those published in the tariff guide.

Is that all these costs are not without a remedy for the client who is aggrieved. It can send a letter with acknowledgement of receipt, in which he explains his reasons, their legal basis and the suites that he plans to give. Silence or refusal of the Bank, then the individual will seize the conciliator of justice of the Court. And if the conciliation fails, he will appeal to the court proceeding, a proceeding fast, free and without counsel. But before embarking on the ground of the procedure, as lister needs, compare, and negotiate. It is safest to keep link documents that it had failed to read.