Clipping of news on Brazilian Culture, Law and Citizenship
02/11/2014
This article was translated by an automatic translation system, and was therefore not reviewed by people.
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More and more Brazilians have a bank checking account . Thanks to the stable economy and control inflation , over the last 15 years , a huge portion of our population who never had access to financial services , began to interact with this universe . A current bank account can be very useful in our lives , of course - but we need to deal with it !
Before opening a bank account , we must ask ourselves some questions : what services I want to use ? I will use checks? How many per month ? Or, conversely , the use of debit card, just because my calls ? I intend to make transfers between accounts ? How many per month ?
Anyway , to answer such questions , defining what we really want to use this account , is fundamental to doing good use of it and , in particular, we pay fair prices for the services they actually use .
Banking services are recovered through fees and such collection is governed today by Resolution 3.919/10 , CMN - National Monetary Council and the Charter Circular 3.594/13 , the Central Bank of Brazil , which created three new types of " standardized packages " of services that banks are obliged to offer their customers . It is worth checking these standards , to better know how it works!
In future posts , we will get into more detail about what should be offered to the consumer , what can and can not be charged , and also some tips on how to evaluate the " packages " offered by banks , so you can make choices more safe and appropriate , commissioning and maintenance of a current account . Stay tuned and see you later !
Other series blog
" Orienting the supplier " - Posts facing providers of products and services . Accepting Cheque and cards ; budget, debt collection and laws dealing with preferential and priority seating are some of the topics covered in the series . View all guidelines here .
" Procon Answers " - Based on the most frequent questions from readers of the blog , the series deals with issues such as: telecommunications , educational services , financing , among others . See more here .
Source : Procon SP
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This article was translated by an automatic translation system, and was therefore not reviewed by people.