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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According to the rules governing the provision of services and collection of fees by the banks , there are four types of services that can be offered :
1 - Essential Services : are the ' most basic ' services that the consumer will be entitled , such as the provision of debit card , up to 10 sheets of checks per month , up to 4 withdrawals per month , up to 2 transfers per month , consultations via the Internet , among others . Banks CAN NOT charge for these services , within the limits set out in Resolution 3.919/10 of the National Monetary Council ( CMN ) . See more here ;
B ) Priority Services: are more habitual use services and are listed in Annex I of Resolution 3.919/10 . Check it out here .
C ) Special Features : those treated in specific laws and regulations, such as those related to SFH - Housing System , FGTS , PIS / PASEP , among others;
D ) Services Difference
them: are those classified as such by Resolution CMN 3.919/10 ( art. 5 . ) . If the client wishes to use them , you must request them in advance and there should be provision of the contract on them . Among these services are : currency exchange services , rental safes , among others .
Today , banks are required to offer at least 4 types of " standard package " of services ( Circular Letter BCB 3.594/13 ) . The prices of " packages " can not be greater than the sum of individual rates charged for the services that are included in it .
Any increase in the amount of fees charged for services must be communicated to consumers at least 30 days notice (45 days for credit card related services ) and , in relation to the Priority Services , adjustments are prohibited at intervals less than 180 days (365 days in the case of priority services related to credit cards) .
Knowing these " types" of services and making from them a realistic assessment of which ones you actually use or intend to use every month , it's easier to make appropriate choices - and this is a key step to keeping a relationship more healthy and balanced with your bank .
In the next post , we will deal with more details on " packages " - which , increasingly , is the contracting model most commonly used - and hiring no adherence to any " package " , making use only of so-called Essential Services .
Source : Procon SP
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This article was translated by an automatic translation system, and was therefore not reviewed by people.