The KB 樂Star passbook can be said to be the beginning of my stake in this KB Kookmin Bank that has no benefits.
Although the new date is written in 2010, it is not that a Rockstar account was actually opened on that date. I remember converting the KBStart account I used to rockstar with the release of Rockstar products in 2011 and the creation of the KB Rockstar Zone right in front of the university’s main gate. (And I opened a Start account again in the middle of the day to split the account.) 국민은행 마이핏통장
As it is a product aimed at university students, it seems that the transfer fee was exempted for 7 or 8 years, but now that 2020 is here, the transfer fee exemption benefit has long since disappeared. However, there is an item that exempts the transfer fee if the monthly performance exceeds 700,000 won in the linked check card benefits, so the fee is still exempted.
In the end, because of Rockstar, I had a bankbook for 10 years and a check card for 10 years, and while there were many bankbooks opened by other banks, the main bank remained unchanged at KB.
Then, why do I have to switch my memory account to another account?
First, there is no transfer fee waiver. 이베이스매뉴얼
What are you talking about when you just said that you are being exempted from credit card performance anyway? So far I’ve been using the Rockstar Debit Card because of some absolute benefits. This is because of the benefit of CGV 35% discount. The details of why he was hung up on this benefit are not important, so I will omit it, and anyway, this benefit was not a very good benefit in this 2020 Corona 19 situation.
I wanted to use only one card because it was too cumbersome to share multiple cards, but I thought that I would have to divide the cards in the future and fill the 700,000 won monthly in the future, the fee will not be waived with the Rockstar account I thought there was no point in maintaining the rockstar name anymore.
For reference, I use all kinds of financial apps such as Toss, Finck, and Kakao Pay, and I don’t spend even a single cash, but sometimes I withdraw money from an ATM to buy a lottery or congratulatory expenses, and I unconditionally transfer the monthly rent through the bank app, and in addition to transferring a large amount such as a deposit. Because of this, there is a need for fee waiver benefits.
The second is the account number.
There is also a way to open a new KB account while leaving behind the memories of the rock star. Even if you open a MyFit account through deposit conversion, it will take some time to receive the MyFit interest rate benefits, so it is advantageous to open a new MyFit account. However, if that happens, you will have to memorize a new account number.
The interest rate benefit of My Fit account is that it gives 1.5% interest on the maximum amount of 2 million won designated as an emergency fund. And 1.5% is not a particularly high interest rate, and even this is not sure when the KB will lower the interest rate again, and it seemed better to put the emergency funds in a 3% bank account up to 1 million won in the Mirae Asset Daewoo account opened by Naver.
And if it is because of the simple transfer fee exemption benefit, KB Start is also exempt from the transfer fee among the bankbooks you already have. Nevertheless, the reason I decided to switch to Rockstar was because the account number was so important.
The third is… It’s not a big deal, but it’s because the new issuance of Rockstar debit cards has been stopped.
As of August 31, 2020, I recently found out that the issuance of new Rockstar check cards has been suspended. I don’t like change very much, but I thought it might be time to let go. However, I already received a re-issuance because my card is about to expire this year, so I can use it until January 2026. Besides, rockstar Chekka and Nori Chekka have the same benefits, but I have both hahahahahahahahahaha
The introduction was long, but the reason I am writing this is like saying goodbye to a bankbook that has been well spent for nearly 10 years until 2020. At an age when I was so moved by the disposable plastic umbrella I had used for two years and lost it, I was writing this with a slightly sentimental heart as I broke up with a rock star at the end of my twenties.
passbook conversion process
You can change your bankbook very simply in the KB Star Banking app.
1. Select the passbook to be converted > Menu > Change Passbook
2. Select the bankbook you want to convert (refer to the product manual)
3. Enter account password
✔ In the case of My Fit bankbook, there is a benefit related to the designation of the payday, so select the payday. If it is not a paycheck, you can select any date.
4. Enter OTP password
5. Enter the accredited certificate password.
6. Completion.
✔ It is a convertible bank account, so you have to wait a long time for the emergency fund setting date to be available.
The characteristics of My Fit Passbook… It’s cumbersome to explain.
1. Money splitting service
✅ Basic Fee: Basic for all deposit and withdrawal transactions
✅ Living Expenses: Separately manage the money to be used with the KB check card
✅ Emergency fund: When certain conditions are met, an interest rate of 1.5% per annum is provided for up to KRW 2 million of the amount designated as an emergency fund
You can manage your money by dividing it into a single account.
If you don’t need it, you can turn off the cost of living and emergency fund functions, so I plan to use it after canceling the cost of living function.
2. Withdrawal/transfer fee 0 won
Unlimited number of bank ATM withdrawal fees waived
Former 樂Star Hyun My Fit
End of bank transfer
0. Passbook conversion (issuance)
The reason I switched my existing KB Rockstar account to KB My Fit account is,
My personal mission in August was to leave a review on the KB My Fit package, but
Because if you study it carefully and consider it, you can get even more benefits!
In addition, if you convert an existing product into a KB My Fit account in the Live app,
We are holding an event where we give out 5,000 won to the first 3,000 people.
Don’t worry, right away!! I switched the account number I was using.
Please refer to the link below for how to change your bank account!
⬇️Introduction to KB My Fit bankbook & switching bankbooks⬇️
1. Splitting money
The biggest function of KB My Fit bankbook is ‘money splitting’!
Divide the money in your bankbook into basic expenses/living expenses/emergency money
There is a huge advantage that you can easily manage your money with just one bankbook!
So, I want efficient money management, but I feel it is difficult.
KB My Fit bankbook is recommended for college students in their 20s or beginners in society!
I use Kookmin Bank passbook and debit card to manage living expenses.
In the meantime, it has been difficult to distinguish between living expenses and extra money for savings purposes.
I used to use the Safebox feature of other banks.
So, when I needed extra money, I remember moving the balance several times a day,
It was very difficult because the account details were complicated and it was difficult to manage money effectively.
KB My Fit bankbook money splitting service is the best product that saved me from trouble!
You can use/store funds really easily with a few touches,
Efficient money management has never been this easy since you manage your money with one bankbook!!!
So, let’s take a look at how to use the money splitter together?!
I’ll take a look at the live app!
First, launch the Live App!
With 200,000 won, we will divide it into basic expenses/living expenses/emergency funds!
Can you see my name on the pathetic list of recent remittances?
If you press the ‘split money’ button on the first screen of the live app, a screen like the picture in the middle will appear.
If you click the ‘Move amount’ button in the category where the amount remains,
As shown on the far right, there is a choice of which category to move the amount to!
First, let’s move from basic expenses to living expenses!
I’m trying to move 100,000 won from basic expenses to living expenses!
After entering the moving amount of 100,000 won, I was able to set the automatic deposit and management base date!
I designated the 15th day of my monthly salary as the automatic deposit for living expenses, and set the management base day as 1st!
If you read the notes and do not think it is necessary, you can change ON to OFF on the right side of the automatic deposit setting/management base date setting 🙂
*Caution for Living Expenses*
(1) After setting the living expenses, payment of the check-approved amount using KB check card is possible only within the balance of living expenses
For example, if you have 50,000 won for basic expenses / 3,000 won for living expenses, it is impossible to pay 4,000 won with a debit card!
(2) Even if living expenses are set, when the balance that can be withdrawn from the basic expenses is insufficient, withdraw the insufficient amount from the living expenses to prevent delinquency, etc.
For example, if you have a basic cost of 10,000 won / living expenses of 50,000 won and you pay 20,000 won in utility bills, an additional 10,000 won will be deducted from your living expenses!
The emergency fund is easily stored after you set the amount by pressing Move Amount!
*Emergency Fund Precautions*
(1) All withdrawals are not allowed for the emergency fund balance
Cash withdrawal, remittance, automatic transfer, credit/debit card payment, utility bill/insurance fee/cell phone payment, etc.
(2) It can be set up to KRW 2 million, and an interest rate of 1.5% per annum is provided when the conditions for applying the emergency fund rate are met.
In order to receive the emergency fund interest rate, it is based on the last day of the month preceding the month in which the settlement date belongs (1/4/July/October)
You must meet at least one of the payroll (designated) day deposit results for 2 months or more in the previous 3 months!
– If the payroll (designated) date is registered and an amount of KRW 500,000 or more is deposited (transferred) on the designated date (3 business days including 1 business day before and after)
– In the case of deposit (transfer) of more than 500,000 won per case because the salary summary is written (salary, salary (fee), allowance, bonus, bonus, salary, annuity, performance pay, compensation, wage, Salary, Bonus, Pay)
– When an amount of KRW 500,000 or more is deposited (transferred) through KB Kookmin Bank’s payroll transfer computer (Sundate, Topline, corporate internet banking, etc.) according to a payroll transfer contract (application)