Text | Observe Jun
Can't you just take the money? What does it mean that many banks have adjusted the non-counter limits of personal accounts?
It's easy to save money, but it's hard to withdraw it. Recently, a number of banks have announced adjustments to the non-counter limits of personal accounts.
Since this is an official dialect, I estimate that many people do not understand, here I will translate it simply, simply put: after the adjustment of the rules, the use of bank cards online will be limited in the future, how much is the specific limit, there is no standard at present, the bank gives the statement of "dynamic adjustment", that is to say, there may be a limit of 1,000, it may be 10,000.
It should be noted that if it is handled offline over the counter, there is no such restriction, however, the counter needs to make an appointment in advance for the withdrawal business, and you will also face a series of questions such as the teller's inquiry, and the bank teller will ask you why you are withdrawing money and what you are doing with it.
All in all, now that you put money in the bank, you really can't withdraw it casually, whether it is online or offline, you will encounter certain resistance when withdrawing money. As for whether it's good or not, this one is up to everyone. Anyway, I personally think that this is somewhat inhumane, after all, there is not so much trouble when saving money, how to withdraw money, it is so troublesome? Even if it is really for the safety of depositors' funds, it should be implemented in conjunction with the opinions of depositors, right? Rather than directly imposing it.
It is understood that the banks that have implemented non-counter limits for personal accounts include large banks such as the Bank of Communications, the Agricultural Bank of China, and CITIC. The related impact has also come out, according to the disclosure of netizens, his bank card has been restricted from consumption, with a limit of 1,000 yuan a day, and more cannot be withdrawn, and some have a limit of 2,000 and some 3,000.
To be honest, the bank's silent move to limit the limit is really outrageous. Suppose that someone suddenly falls ill and urgently needs to pay for surgery when they go to the hospital, you must know that many hospitals do not pay money and do not perform surgery, but if the bank card is limited at this time, if the seriously ill patient misses the golden operation time, can the bank bear this loss?
What does it mean that banks restrict depositors from withdrawing money freely? Although, the statement given by the bank is that this is to prevent scams. However, some legal sources have pointed out that the bank's behavior is actually an illegal act, and that when the depositors themselves do not ask the bank to set a limit, the bank privately imposes a limit on the depositors, which has seriously violated the most basic "freedom of access and withdrawal" regulations in the banking industry.
Not to mention, the bank has not yet given users the option to choose whether to limit their accounts, which is actually suspected of embezzling personal private property. It's ironic to think about it, it's 2024, and we can't even do the sanctity of private property, which is too sad!
Finally, I would like to say that as banks further restrict depositors from withdrawing money freely, I personally suggest that you should not put your money in the bank unless necessary, and it is better to put it in Alipay and WeChat Pay, not only free access and withdrawal, but also a certain amount of interest income.
To put it bluntly, the current bank is no longer for ordinary people, especially since Ma Yun was "retired", the bank has been even more exposed. So, if you have a choice, you should try to stay away from the bank.