Bancos e tarifas: conheça os seus direitos 
Autor: lizaprado | Publicado: 2016-08-04T19:15:00-03:00



  
   

    
    
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Em meio ao desemprego e à inflação
  elevada, é essencial ter controle sobre os gastos. Trabalhar com pulso firme
  na hora de administrar o orçamento é a única forma de garantir que não existe
  exageros nas despesas da família. No entanto, reduzir supérfluos é algo
  dolorido. Uma boa dica para cortar gastos é procurar pelas despesas
  invisíveis: taxas e cobranças dos serviços que utilizamos no dia a dia e que
  acabam esquecidas no meio de tantas cobranças.



Vale olhar com lupa para as cobranças
  feitas pelo seu banco. Como as contas correntes dos brasileiros são dominadas
  por poucos grandes bancos, é fundamental ficar atento às cobranças,
  especialmente as desnecessárias e indevidas.



É importante ficar de olho e saber
  como você usa os serviços do banco, para avaliar se não está pagando por
  itens que poderiam ser gratuitos, dentro do seu limite de utilização. Hoje o
  consumidor brasileiro tem direito a dois tipos de contas gratuitas, a conta
  salário e a conta corrente de serviços essenciais – e muitos nem sabem disso.&nbsp;



Como elas funcionam?
  Conta salário: como o nome diz, é exclusiva para receber salário. Só são
  aceitos depósitos da empresa que realiza o pagamento e você tem direito a um
  cartão magnético, 5 saques mensais, 2 consultas nos terminais ou no caixa, e
  2 extratos mensais.



Conta de serviços essenciais:
  disponibiliza um pacote gratuito com um cartão de débito, até 4 saques
  mensais, 2 transferências de recursos entre contas na própria instituição, 2
  extratos; consultas ilimitadas no internet banking, extrato consolidado
  anual, compensação de cheques, 10 folhas de cheque por mês e todos os serviço
  por meios eletrônicos.



No caso dos planos pagos, o
  consumidor tem duas opções: pagar as tarifas individuais para os serviços
  extras ou contratar um pacote fechado. O Banco Central determina ainda que as
  instituições financeiras devem oferecer quatro tipos de planos padronizados
  para facilitar a comparação de tarifas. São eles:



Pacote I: um cartão de débito, 8
  saques por mês, 4 extratos mensais, 2 extratos do mês anterior e 4
  transferências entre contas na mesma instituição.



Pacote II: um cartão de débito, 12
  folhas de cheque mensais, 8 saques, 6 extratos do mês, 2 extratos de meses
  anteriores, 1 DOC ou TED, 4 transferências no mesmo banco.



Pacote III: um cartão de débito, 15
  folhas de cheque, 10 saques mensais, 8 extratos mensais e 4 de outros
  períodos, 2 DOCs ou TEDs e 6 transferências no mesmo banco.



Pacote IV: um cartão de débito, 20
  folhas de cheque, 12 saques mensais, 8 extratos mensais e 4 de outros períodos,
  3 DOCs ou TEDs e 8 transferências no mesmo banco.



Os preços variam bastante entre
  bancos e existem ainda os serviços personalizados. A chave aqui é pesquisar
  as tarifas e conferir quantas vezes e quais serviços você costuma usar mais
  no seu banco. Isso pode te ajudar a guiar a sua pesquisa e encontrar um plano
  que faça mais sentido para você.



No caso de você encontrar tarifas
  abusivas, vale considerar a portabilidade de contas – um direito do
  consumidor. Por isso, pesquise tarifas e exija seus direitos.


  
  Fonte: G1 - Samy Dana