Three risk-avoidance actions, it's still not too late to do now


Make at least one small transaction each month (transfer 1 HKD / exchange / spend, all are fine), to ensure the account has transaction flow and the monthly statement is generated normally
For check deposits, always use the deposit slip app or mobile app, absolutely do not go to the counter
Before depositing/transfer/automatic deduction, double-check the balance repeatedly to avoid the punitive fee of 180 HKD per occurrence
Additional: Most fees can be waived for those under 18 / over 65 / premium wealth management accounts
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