Characteristics 1. Up to 1.5% annual emergency fund interest rate and exemption from withdrawal/transfer fees unlimited number of times
· Eligibility: Real-name individuals (one account per person) between the ages of 18 and 38
※ You can join any group without submitting the relevant documents
※ After new/converted subscription, you can continue to use it regardless of the age you are applying for.
· Subscription amount/period: no limit 국민은행 마이핏통장
· Product type: Deposits with free deposit and withdrawal (savings deposits)
※ You can switch from the savings account you are using to this account. 이베이스매뉴얼
※ In the case of a jointly-named account, KB Securities passbook, and MMDA passbook, it is not possible to sign up for this passbook.
Transaction method: Branch, KB Star Banking App, Live App
Tax-related: You can sign up for tax-free comprehensive savings
· Interest settlement: Settling on the second Friday of February, August, November, and November of each year and pay interest on the next day
· Applied interest rate
1. Basic interest rate: 0.1% per annum
2. Emergency fund interest rate: 1.5% per annum (can be set up to 2 million won)
1) Conditions of application: In the case of meeting at least one of two or more payday deposits in the three months immediately preceding the last day of the month (January/July/October) of the month in which the settlement date belongs (refer to the criteria below)
2) Standard
– When the payday is registered and the amount of 500,000 won or more is deposited on the specified date
– If the amount of 500,000 won or more has been deposited in each case with the following payroll summary listed
-In case of deposit of more than 500,000 won per case through KB Kookmin Bank’s payroll transfer system under the salary transfer contract
· Withdrawal/transfer fee waiver
1. Fees subject to exemption: Electronic finance, automatic device overtime withdrawal, transfer fee
2. Exemption conditions: In the case of meeting at least one of the following achievements with this account in the previous month
1) Deposit results on payday that meet the conditions for applying the emergency fund interest rate
2) KB Kookmin Card payment results
Feature 2. Provides a money splitting service that allows convenient money management for each purpose with one passbook
· Money splitting service: money management service by purpose in the bankbook
– Service that can manage the balance of the bankbook by dividing it into basic expenses/living expenses/emergency money
※ Basic expenses are set automatically, and living expenses/emergency funds can be set or dismantled as needed
1. Basic Fee: All deposits and withdrawals are freely traded
2. Living expenses: Plan consumption management by setting aside money to be used with KB check card
3. Emergency fund: Save money to be used in case of emergency with the benefit of the emergency fund interest rate (up to 2 million won can be set)
※ An interest rate of 1.5% per annum is applied on the amount set as an emergency fund when the conditions for applying the emergency fund interest rate are met
· Channels used: KB Star Banking App or Live App
· How to use: All deposits and withdrawals from the KB My Fit account are transacted at the basic cost, and if living expenses are set, the check-approved amount using the KB check card can only be paid within the balance of living expenses. In addition, cash withdrawal, remittance, automatic transfer, credit card payment, utility bills, insurance premiums, and mobile phone billing are all non-refundable for emergency funds.
※ If there is not enough balance available for withdrawal from basic expenses, it will be withdrawn from living expenses.
Whether it’s a written exam or an interview, preparing for admission
I realized that I had relatively little knowledge about financial products.
So, I’m going to try to practice introducing financial products by randomly selecting them!
The financial product to be introduced today is “KB Kookmin Bank’s KB My Fit Passbook”
This time, as banks start their MyData service,
I would like to briefly review the My Data service of the KB Star Banking app.
at the bottom of the first screen
Click the My Data/Asset Management menu
When I click, quite a lot of financial information welcomes me.
What caught my attention was ‘AI customized service for me’
Actually, the AI customized service itself was not very surprising.
They were classifying me into the MZ generation and hidden rich categories.
I was curious about Hidden Reach so I clicked it haha
These types of asset management are explained in detail.
Hidden Rich was a customer of other financial institutions such as Open Banking My Data.
I think I did the naming in a good way hahahahahahahahahaha
The rest of the asset management types are not simply by age group.
You can see that they are classified according to the asset management goals!
Among the services I recommend
I went into the deposit and withdrawal account called Best Sales.
KB My Fit Bankbook in one word
A savings account that can split money!
Basic cost living expenses emergency fund
It can be divided into 3 boxes.
Withdrawal transfer fee is waived without limit on the number of times
(439 won captured while the number was going down)
The first thing that came to my mind was to recommend it to college students.
New college students who come to the school affiliated bank to make a student ID
Customers in their early 20s who have just opened an account may find it useful.
“I work part-time or get pocket money and use a certain part of it as my living expenses.
I have some for savings and some for emergencies.
This will require at least 3 accounts
The fact that it can be easily bundled into one account”
The emergency fund rate is 1.5% per annum, which is high compared to other savings accounts.
(Emergency box only, though)
Interest rates are also easy to apply.
A customer without a salary can also satisfy condition 1.
In case of transfer from another financial institution’s bank account, it is recognized as a different person and the performance is recognized.
Emergency fund box up to KRW 2 million
You can only move to another box, and other withdrawals/transfers are not allowed.
If you feel that the product is difficult, you can also get advice.
I clicked chat
When asked what is money splitting
Each box clearly explains how to use it.
I clicked it because it was related to My Fit savings account.
I was able to check the information by being linked to the savings account linked to the My Fit account.
Considering that is the most basic financial asset management that even people earning a small amount of money from a part-time job
I thought that My Fit bankbook was a product with a wide target audience.
The interest rate on the emergency fund is 1.5%.
Because you can deposit up to 200,000 won
Assuming that 2 million won is deposited within one year, you can receive up to 30,000 won in interest per year.
The interest rate is high compared to other savings accounts.
Because the deposit limit of the emergency fund box is small at 2 million won
It will be useful for customers in their early 20s who have just opened an account!
KB Kookmin Bank My Fit Savings Savings Product
finance
hello. Today’s topic is
KB Kookmin Bank My Fit Passbook Savings
I think people are paying more attention to financial technology due to COVID-19.
It is expected.
Stocks, Coins, etc.
In the midst of numerous financial
One of the safest ways would be to deposit in a bank account.
So today, about savings in Kookmin Bank My Fit account
Let’s see.
– KB Kookmin Bank My Fit Passbook Savings
Interest rates keep falling these days and are not in a frozen state….
If it goes on like this, there is not much left to the level where the real 0% level will continue..
Some people say that you should pay interest and keep money in the future.
You said you might…
If this situation persists, repeat the deposit like I did.
It can be detrimental to those who save.
But let’s try it together
Places that still offer not bad levels
There are several.
Today, among them, KB Kookmin Bank savings account
Shall we find out?
– Kookmin Bank savings account ranking
KB Nara Sarang Savings Savings Savings Savings Savings Savings Savings Savings Savings Savings Savings Savings Savings Savings Savings Savings Savings Savings Savings Savings Savings Program Customized
The highest interest rate is 5.6%.
KB Soldier Tomorrow Reserve Savings Savings Savings Savings Savings Savings Savings Savings Savings Savings Savings Savings Savings Savings Savings Savings Savings Savings Savings Account
The highest interest rate is 5.5%.
The KB National Happiness Savings Savings Fund is a stepping stone to the happiness of the socially caring class.
The highest interest rate is 4.85%.
KB Smile Dream Savings Savings Savings Savings Support Savings for Sincerely Complained Patients
The highest interest rate is 4%.
KB Kookmin Premium Savings is a group membership / military service elite
The highest interest rate is 2.85%.
KB Kookmin Premium Savings is a group membership / military service elite
The highest interest rate is 2.75%.
KB My Fit Savings offers a preferential interest rate if you have a KB My Fit account.
The highest interest rate is 2.7%.
KB Kookmin ONE savings account provides a preferential rate when transacting with ONE bankbook.
The highest interest rate is 2.25%.
The business preferential savings account is a preferential interest rate tailored to the business operator.
The highest interest rate is 2.2%.
KB Young Youth savings account is free insurance for children/youth.
The highest interest rate is 2.15%.
Aren’t there too many just looking at this?
From 1st to 6th, specific occupational groups, socially considerate classes, group membership, etc.
Unfortunately, interest rates in the 5% range are available only when certain conditions are met.
If you are currently a professional soldier or are a general soldier,
You can choose up to 2 to 3 years as you wish.
nothing special
– KB Kookmin ONE (regular deposit type) recommended by Kookmin Bank
The subscription period can be selected from one year to three years in increments of one year.
The highest interest rate is 2.25%.
The amount is set at the time of registration, from 10,000 to 500,000 won.
It is a regular formulation that is maintained continuously, so it is best to choose carefully and do it.
You can create one account per person.
Together, the basic interest rate is 0.95%.
It is a form of receiving up to 1.3% additional payment when conditions are met.
– Monthly salary transfer over 500,000 won, pension receipt (0.3%)
– KB check, credit card payment history of 500,000 won or more per month (0.2%)
– Utility bill transfer (0.5% if more than 3 months and 5 cases occur)
– Loan interest payment (0.2%)
Because all four forms shown above must be satisfied
It can be seen as a difficult product.