The other day I was looking at one of our bank passbooks after some bills were paid and noticed an entry term I’d never noticed before: “super futsu.” It refers to the the type of account, and the entry listed the most recent interest we received for the balance in that account. Futsu means “regular,” so what exactly does “super regular” mean?

Apparently nothing. It’s simply a means of distinguishing a deposit account with Tokyo Mitsubishi UFJ’s All One system from a regular passbook deposit account. The interest is the same: 0.05 percent. The difference between the two types of accounts is that with the All One system, they don’t charge a fee unless the balance falls below ¥100,000. The main reason we signed up for All One was so that we wouldn’t have to pay a handling fee when we use TMUFJ ATMs during non-business hours, but we eventually found out that there are still some instances when handling fees apply. The fine print is there to be read — or not.

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