French Monetary and Financial Code
In forceI. - Bank charges relating to irregularities in the operation of a bank account as referred to in article L. 312-1-3, payment incidents as referred to in article L. 131-73 and II of article L. 133-26 and those relating to other irregularities and incidents are subject to the free prior information of the customer provided for in article L. 312-1-5. They include in particular the following charges :
1° The cost of blocking the card by the bank ;
2° The cost of a prior information letter for a cheque with insufficient funds;
3° Charges for information letters for unauthorised overdrafts;
4° Flat-rate charge for each cheque rejected for insufficient funds;
5° Charges for the rejection of a direct debit for insufficient funds;
6° Charges for administrative seizure by a third party holder;
7° (repealed)
8° Charges for seizure of assets for payment;
9° (repealed)
10° Charges for occasional incomplete transfers;
11° Charges for non-execution of standing orders for lack of funds;
12° Intervention fees;
13° Charges following notification by the Banque de France of a ban on the customer issuing cheques;
14° Charges for notifying the Banque de France of a decision to withdraw a bank card.
II. - The amount of each of these charges is specified on the customer's statement of account drawn up monthly or, where applicable, at the intervals specified in the account agreement referred to in article L. 312-1-1. In the absence of an account statement, free prior information is provided by the credit institution by any other means.
