# How to Add a Charge to a Saving Account

Charges (fees and penalties) can be charged to saving accounts in three ways: 

* Charges are inherited from the product definition. A Mifos user may have the ability to remove one or more of these charges for a saving account. When a charge is removed from a saving account, other saving accounts are not affected.
* Charges (not yet associated with the saving account) can be selected and attached to the saving account.
* *Miscellaneous charges (one time charge) can be charged to a saving account. The Mifos user specifies the amount, which is added in the next payment.*

Charge may be added at the time of saving account application when a saving account is Pending Approval, is Approved, and is Active. Adding a charge to a saving account does not affect the saving account's status.

### **To inherit charges from the product definition**

While completing a saving account application for a client, keep the charges that appear in the saving account. Complete any fields that do not default, such as the date that may be required. Additional charges may also be added. [See Saving Account Fields Charges.](https://docs.mifos.org/mifosx/user-manual/for-operational-users-mifos-x-web-app/accounts-and-transactions/deposit-accounts/mifos-x-saving-accounts/how-to-create-a-saving-account-application/saving-account-fields)

### To add charges to a saving account

When editing a saving account, navigate to the Charges section. [See Saving Account Fields Charges.](https://docs.mifos.org/mifosx/user-manual/for-operational-users-mifos-x-web-app/accounts-and-transactions/deposit-accounts/mifos-x-saving-accounts/how-to-create-a-saving-account-application/saving-account-fields)

### To add miscellaneous (one-time) charges to a saving account

When viewing a saving account, click **+Add saving Charge** on the action bar.

1. Select **Charge** type from the list.
2. Complete the fields required for the charge.
3. Click **Submit**.

### Related articles

* Page:[Share Accounts](https://docs.mifos.org/mifosx/user-manual/for-operational-users-mifos-x-web-app/accounts-and-transactions/share-accounts)
* Page:[How to Prepay a Loan Account](https://docs.mifos.org/mifosx/user-manual/for-operational-users-mifos-x-web-app/accounts-and-transactions/loan-accounts/how-to-prepay-a-loan-account)
* Page:[Using collection sheet or other payment types for making payments](https://docs.mifos.org/mifosx/user-manual/for-operational-users-mifos-x-web-app/accounts-and-transactions/loan-accounts/using-collection-sheet-or-other-payment-types-for-making-payments)
* Page:[How to Assign a Loan Officer](https://docs.mifos.org/mifosx/user-manual/for-operational-users-mifos-x-web-app/accounts-and-transactions/loan-accounts/how-to-assign-a-loan-officer)
* Page:[How to Add a Charge to a Loan Account](https://docs.mifos.org/mifosx/user-manual/for-operational-users-mifos-x-web-app/accounts-and-transactions/deposit-accounts/mifos-x-saving-accounts/how-to-add-a-charge-to-a-saving-account)


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