Conheça os serviços bancários gratuitos.
Autor: Francis Hesse Palestrante | Publicado: 2016-11-21T19:41:00-02:00


Todo consumidor pode ter uma conta-corrente sem pagar nada.
Saiba quais são as operações incluídas nos chamados serviços essenciais

Uma conta bancária livre de tarifas. Parece mentira? Pois saiba que esse é um
direito de todo consumidor brasileiro, garantido desde 2008!&nbsp;



Segundo a&nbsp;Resolução nº 3.919/2010&nbsp;do Conselho
Monetário Nacional (CMN) - que atualizou a norma anterior, de 2007 -, todos os
bancos devem oferecer um conjunto de serviços gratuitos com operações básicas
para a movimentação da conta. São os chamados serviços essenciais.



Quem adere aos serviços essenciais tem direito de realizar
gratuitamente uma quantidade de operações por mês, como quatro saques, dois
extratos e duas transferências. Veja abaixo todas as operações incluídas.



Caso o consumidor exceda o número de operações ou utilize
uma que não consta da lista, paga a tarifa avulsa correspondente a esse
serviço. Por exemplo: um saque “avulso” custa em torno de R$ 2.&nbsp;



Assim, embora os serviços essenciais atendam a um perfil de
uso básico dos serviços bancários, pode valer a pena pagar algumas operações
avulsas e contratar só os serviços essenciais em vez dos pacotes oferecidos
pelos bancos.&nbsp;



Como ter uma conta gratuita&nbsp;



Qualquer consumidor pode abrir uma conta só com serviços
essenciais, em vez de aderir a um pacote de serviços tarifado oferecido pelo
banco. Da mesma forma, o cliente que já tem uma conta aberta pode migrar para
essa modalidade a qualquer momento.



Para isso, basta ir até a agência bancária onde deseja abrir
a conta (ou onde já tem uma conta aberta) e solicitar.&nbsp;



A instituição financeira não pode dificultar ou negar o
pedido. Caso isso ocorra, reclame ao Serviço de Atendimento ao Consumidor (SAC)
e à ouvidoria do banco e denuncie ao&nbsp;Banco Central.&nbsp;



Também é possível registrar uma reclamação pela plataforma&nbsp;consumidor.gov.br,
do Ministério da Justiça, ou no Procon de sua cidade.



OS SERVIÇOS ESSENCIAIS



De acordo com a Resolução 3.919/2010 do CMN, os serviços
essenciais incluem as seguintes operações:



- Fornecimento de&nbsp;cartão com função débito&nbsp;e
segunda via, exceto em casos decorrentes de perda, roubo, danificação e outros.



- Fornecimento de&nbsp;dez folhas de cheques&nbsp;por mês
(desde que o correntista atenda aos requisitos exigidos pelo banco para a
utilização de cheques).



- Realização de até&nbsp;quatro saques&nbsp;por mês, em
guichês de caixa, inclusive por meio de cheque, ou em terminal de
autoatendimento.



- Fornecimento de até&nbsp;dois extratos&nbsp;por mês com a
movimentação do mês em terminal de autoatendimento.



-&nbsp;Consultas via internet&nbsp;sem limite.



-&nbsp;Duas transferências&nbsp;entre contas da mesma
instituição por mês.



- Compensação de cheques .



- Fornecimento de&nbsp;extrato consolidado, detalhando, mês
a mês, as tarifas cobradas no ano anterior. O documento deve ser enviado até 28
de fevereiro de cada ano.



Fonte: IDEC







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