【要点提示】商业银行向储户收取小额账户管理费及年费的行为是否合法?有无侵犯储户作为消费者的知情权与选择权?商业银行通过公示、公告等方式调整相关费用的收取标准能否成为变更储蓄存款合同的合法有效方式? 【Tips】 Commercial banks to depositors charge micro-account management fees and annual fees is legal? Has the right to infringe on savers as consumers the right and the right to choose? Commercial banks through public notice, notice, etc. to adjust the collection of relevant fees Can it be a legal and effective way to change the contract for saving deposits?