CAP-041 — No monthly account fee

Category	Fees & pricing
Business goal	Not yet linked to a business goal
Satisfying module	MOD-021 Payment limit & velocity controller
Mode	AUTO
BD owner	BD04 Product
Human needed	No

Zero monthly account maintenance fee on the standard everyday account. The absence of a fee is enforced at the fee calculation layer — the fee schedule configuration for the standard account type has no monthly maintenance charge. This is a deliberate competitive position: no hidden fee that erodes customer balances for customers who don't notice it.