商业银行为了弥补成本、优化账户管理、实现客户细分，开始收取存款账户管理费，从而激发了银行存款收费合法与否的论战。
In order to cover costs, optimize account management and fractionalize customers, our commercial Banks start to charge on depositors' accounts, leading to a debate of its legitimacy.
为什么银行知道我们钱不够还要对“存款不够”收费？
Why do Banks charge a fee on "insufficient funds" when they already know there is not enough money?
该费用和收费包括银行费用、存款费和抵消损失。
These costs and charges may include bank charges, deposition charges and contra losses.
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