FTB-C000717 / Financial concept

Minimum-balance fee

A minimum-balance fee is a charge triggered when a declared balance test does not meet its required threshold.

Intermediate 1 linked topicEvidence-reviewed

Definitions

In plain terms

The account terms must identify which balance, period and comparison determine whether the fee applies.

Technical

D30 counts eligible daily closing balances strictly below the threshold, then applies its grace-day and waiver rules. Average balance is diagnostic only.

Scope

Other products may define an average-balance fee test; the selected D30 profile does not.

Examples

  • With zero grace days and no waiver, a synthetic below-threshold day triggers the selected fee test; a day exactly at the threshold is not counted low.

Common misconceptions

  • One low intraday transaction value is not automatically the contractual period minimum.

Concept relationships

Related

Where this concept is used

Evidence and governance

  1. Regulation DD, 12 CFR 1030.4: Account disclosures Consumer Financial Protection Bureau · official standard

    Supports: preferred label, short definition, variant distinction

    Limits: Disclosure context only; no assertion that every fee or selected synthetic threshold is legally permissible.

  2. D30 glossary teaching-profile scope, Batch 013 The Fintech Builder · internal governed contract

    Supports: technical definition

    Limits: No independent regulatory mandate, real-bank dataset, service execution, external witness or production assurance is claimed.

Reviewed by
fintech-builder-batch-013
Last reviewed
2026-10-27
Next review
2027-10-27
Record status
evidence reviewed

This record is evidence-reviewed and readable, but not yet promoted to published — it is served noindex,follow and excluded from the sitemap.

Written by

Fintech engineer building market-data and financial systems, and the author of every article, glossary record, and reference implementation on The Fintech Builder.