Many private customers of Commerzbank are receiving unpleasant mail from their bank these days. After two paragraphs in which the institute thanks you for your trust and emphasizes the quality of its own services, the letter comes to the point. From July, the free advantage account will become the chargeable “PlusKonto Vorteil” with monthly fees of 4.90 euros. And the customer finds out in the Commerzbank letter that consent is automatically given if nothing else should be done. So far, this has been common practice. Now the Federal Court of Justice (BGH) has surprisingly overturned this principle. This has consequences for all banks and millions of consumers - also retrospectively. WELT explains what you have to do when you get a letter from the bank yourself - and how you can get the most out of yourself.