{"id":275,"date":"2024-09-20T00:00:00","date_gmt":"2024-09-19T22:00:00","guid":{"rendered":"https:\/\/www.lesclesdelabanque.com\/particulier\/2019\/07\/01\/maitriser-son-compte-en-cas-dincidents-loffre-specifique\/"},"modified":"2026-08-04T14:52:35","modified_gmt":"2026-08-04T12:52:35","slug":"maitriser-compte-incidents-offre-specifique","status":"publish","type":"post","link":"https:\/\/www.lesclesdelabanque.com\/particulier\/maitriser-compte-incidents-offre-specifique\/","title":{"rendered":"Ma\u00eetriser son compte en cas d'incidents : l'offre sp\u00e9cifique"},"content":{"rendered":"\n<h2 class=\"has-normal-font-size wp-block-heading\">Pour les personnes en situation de fragilit\u00e9 financi\u00e8re, il existe une offre sp\u00e9cifique. Elle facilite la bonne gestion du compte gr\u00e2ce \u00e0 des produits et services bancaires adapt\u00e9s. Propos\u00e9e \u00e0 un tarif mod\u00e9r\u00e9, elle limite aussi les frais en cas d\u2019incidents. L\u2019objectif est de sortir au plus vite de cette situation inconfortable.<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<div class=\"wp-block-image\"><figure data-wp-interactive=\"cdb\/lightbox\" class=\"aligncenter size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" aria-haspopup=\"dialog\" data-wp-on--click=\"actions.open\" data-wp-on--keydown=\"actions.key\" role=\"button\" tabindex=\"0\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2024\/09\/Vignette-guide-offre-specifique.png\" alt=\"\" class=\"wp-image-31602\" width=\"303\" height=\"427\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2024\/09\/Vignette-guide-offre-specifique.png 605w, https:\/\/www.lesclesdelabanque.com\/uploads\/2024\/09\/Vignette-guide-offre-specifique-213x300.png 213w, https:\/\/www.lesclesdelabanque.com\/uploads\/2024\/09\/Vignette-guide-offre-specifique-57x80.png 57w, https:\/\/www.lesclesdelabanque.com\/uploads\/2024\/09\/Vignette-guide-offre-specifique-333x470.png 333w, https:\/\/www.lesclesdelabanque.com\/uploads\/2024\/09\/Vignette-guide-offre-specifique-177x250.png 177w, https:\/\/www.lesclesdelabanque.com\/uploads\/2024\/09\/Vignette-guide-offre-specifique-35x50.png 35w, https:\/\/www.lesclesdelabanque.com\/uploads\/2024\/09\/Vignette-guide-offre-specifique-550x775.png 550w\" sizes=\"auto, (max-width: 303px) 100vw, 303px\" \/><\/figure><\/div>\n\n\n<div class=\"postAttachment\"><div class=\"postAttachment__wrapper\"><div class=\"postAttachment__info\"><p class=\"postAttachment__name\">Guide-offre-specifique<\/p><p class=\"postAttachment__fileSize\">139,0 Ko<\/p><\/div><a class=\"postActions__action postActions__action--big clickEvent postAttachement_link\" data-wp-interactive=\"fbf\/tracking\" data-wp-context=\"{&quot;category&quot;:&quot;file&quot;,&quot;action&quot;:&quot;download&quot;,&quot;label&quot;:&quot;Guide-offre-specifique&quot;}\" data-wp-on--click=\"actions.push\" data-eventcategory=\"file\" data-eventaction=\"download\" data-eventlabel=\"Guide-offre-specifique\" href=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2024\/09\/Guide-offre-specifique.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><span class=\"postActions__label\">T\u00e9l\u00e9charger Guide-offre-specifique<\/span><svg role=\"presentation\" class=\"postActions__icon\" width=\"14\"><use href=\"#download\" xlink:href=\"#download\"\/><\/svg><\/a><\/div><\/div>\n\n<div class=\"youtube-container\" data-wp-interactive=\"cdb\/video-consent\" data-wp-context=\"{&quot;loaded&quot;:false}\" data-wp-init=\"callbacks.init\">\n<figure class=\"wp-block-embed-youtube wp-block-embed is-type-video is-provider-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe data-src=\"https:\/\/www.youtube.com\/embed\/K57CtULfmiQ?feature=oembed\" data-wp-watch=\"callbacks.syncIframe\" loading=\"lazy\" title=\"L&amp;apos;offre sp\u00e9cifique pour ma\u00eetriser son compte en cas d&amp;apos;incidents bancaires\" width=\"500\" height=\"281\"  frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n<div class=\"video-consent-overlay\" data-wp-watch=\"callbacks.syncOverlay\"><div class=\"video-consent-overlay-text\">Vous devez accepter les cookies de YouTube pour visionner cette vid\u00e9o<\/div><button type=\"button\" class=\"video-consent-overlay-accept-button\" data-wp-on--click=\"actions.accept\">J&#039;accepte - Lancer la vid\u00e9o<\/button><\/div><\/div>\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2024\/11\/Transcription-video-offre-specifique.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Transcription<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Qui peut b\u00e9n\u00e9ficier de l'offre sp\u00e9cifique ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Les banques appr\u00e9cient la situation de fragilit\u00e9 financi\u00e8re \u00e0 partir de <strong>crit\u00e8res r\u00e9glementaires<\/strong> :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>inscription depuis plus de 3 mois cons\u00e9cutifs au Fichier central des ch\u00e8ques (FCC) pour ch\u00e8que impay\u00e9 ou d\u00e9claration de retrait de carte bancaire ;<\/li><li>ou <a href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/deposer-un-dossier-de-surendettement\/\" target=\"_blank\" rel=\"noreferrer noopener\">d\u00e9p\u00f4t d\u2019un dossier de surendettement<\/a>, d\u00e9clar\u00e9 recevable par la commission de surendettement, ou accept\u00e9 (<a href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/le-fichier-lie-aux-credits-et-au-surendettement-le-ficp\/\" target=\"_blank\" rel=\"noreferrer noopener\">FICP<\/a>).<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le client est consid\u00e9r\u00e9 comme fragile financi\u00e8rement pendant toute la dur\u00e9e du fichage. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Par ailleurs, les banques rel\u00e8vent la situation de fragilit\u00e9 financi\u00e8re <strong>en tenant compte aussi<\/strong> :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>de l\u2019existence d\u2019irr\u00e9gularit\u00e9s de fonctionnement du compte ou d\u2019incidents de paiement r\u00e9p\u00e9t\u00e9s sur une p\u00e9riode de 3 mois cons\u00e9cutifs, et en particulier lorsque leur nombre atteint ou d\u00e9passe 5 au cours d\u2019un m\u00eame mois ;<\/li><li>et du montant des ressources port\u00e9es au cr\u00e9dit du compte.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-common-insert-grey-background-color has-background wp-block-paragraph\">\u00c0 partir de 5 incidents ou irr\u00e9gularit\u00e9s au cours d\u2019un m\u00eame mois, le client est consid\u00e9r\u00e9 comme fragile financi\u00e8rement pendant au moins 3 mois. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Enfin, chaque banque peut avoir fix\u00e9 d\u2019autres <strong>crit\u00e8res suppl\u00e9mentaires<\/strong> pour d\u00e9tecter au plus t\u00f4t la fragilit\u00e9 financi\u00e8re : \u00e9l\u00e9ments dont elle a connaissance et qu\u2019elle estime de nature \u00e0 occasionner des incidents de paiement, notamment les d\u00e9penses qui apparaissent sur le compte\u2026<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Comment souscrire l'offre sp\u00e9cifique ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Si vous \u00eates \u00e9ligible, <strong>votre banque vous propose syst\u00e9matiquement l\u2019offre sp\u00e9cifique par \u00e9crit<\/strong>, sur support papier ou d\u00e9mat\u00e9rialis\u00e9. <strong>Vous choisissez de la souscrire ou non.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Si votre banque ne vous l\u2019a pas encore propos\u00e9e et si vous pensez en avoir besoin, parlez-en \u00e0 votre conseiller. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Si vous souhaitez renoncer \u00e0 l\u2019offre sp\u00e9cifique que vous avez souscrite, vous devez envoyer une demande \u00e9crite \u00e0 votre banque. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En cas de <a href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/category\/mes-moments-de-vie\/jai-des-difficultes\/les-difficultes-de-gestion\/\" target=\"_blank\" rel=\"noreferrer noopener\">difficult\u00e9s financi\u00e8res<\/a>, prenez contact au plus t\u00f4t avec votre conseiller afin d\u2019analyser votre situation et de trouver les solutions bancaires les plus adapt\u00e9es (offre sp\u00e9cifique ou autres).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Que contient l'offre sp\u00e9cifique ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019offre sp\u00e9cifique comprend <strong>des produits et services bancaires adapt\u00e9s <\/strong>pour aider les personnes en situation de fragilit\u00e9 financi\u00e8re, dans la bonne gestion de leur compte bancaire au regard de leur budget. Compl\u00e8te et adapt\u00e9e, elle comprend au moins :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>la tenue de compte, la fermeture et, le cas \u00e9ch\u00e9ant, l\u2019ouverture du compte de d\u00e9p\u00f4t ;<\/li><li>une <a href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/la-carte-a-autorisation-systematique-pour-eviter-tout-depassement\/\" target=\"_blank\" rel=\"noreferrer noopener\">carte de paiement \u00e0 autorisation syst\u00e9matique<\/a> (chaque op\u00e9ration devra \u00eatre autoris\u00e9e par la banque) ;<\/li><li>le d\u00e9p\u00f4t et le retrait d\u2019esp\u00e8ces dans l\u2019agence bancaire qui d\u00e9tient le compte ;<\/li><li>4 virements mensuels SEPA, dont au moins 1 virement permanent, ainsi que des pr\u00e9l\u00e8vements SEPA en nombre illimit\u00e9 ;<\/li><li>2 ch\u00e8ques de banque par mois ;<\/li><li>un moyen de consulter son compte \u00e0 distance et la possibilit\u00e9 d\u2019effectuer \u00e0 distance des op\u00e9rations de gestion vers un autre compte du titulaire au sein de la m\u00eame banque ;<\/li><li>des alertes sur la situation du compte ;<\/li><li>des relev\u00e9s d\u2019identit\u00e9 bancaire (RIB) ;<\/li><li>le plafonnement sp\u00e9cifique des commissions d\u2019intervention pr\u00e9vu par la r\u00e9glementation ;<\/li><li>1 changement d\u2019adresse par an.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le ch\u00e9quier n\u2019est pas inclus dans l\u2019offre sp\u00e9cifique.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Lire la suite du guide \"Ma\u00eetriser son compte en cas d'incidents : l'Offre Sp\u00e9cifique\" : <\/h4>\n\n\n\n<ul class=\"wp-block-list\"><li>Combien co\u00fbte l\u2019offre sp\u00e9cifique ?<\/li><li>Que pr\u00e9voit l\u2019offre sp\u00e9cifique pour les frais d\u2019incidents bancaires ?<\/li><li>Quels sont les frais b\u00e9n\u00e9ficiant du plafonnement global ?<\/li><li>Comment vais-je faire sans ch\u00e9quier ?<\/li><li>Comment fonctionne la carte de paiement \u00e0 autorisation syst\u00e9matique ?<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<div class=\"wp-block-buttons aligncenter is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-outline is-style-outline--1\"><a class=\"wp-block-button__link\" href=\"https:\/\/fr.calameo.com\/read\/002024705862fd051923e\" target=\"_blank\" rel=\"noreferrer noopener\">Feuilleter le guide<\/a><\/div>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-common-insert-grey-background-color has-background wp-block-paragraph\"><strong>Vous \u00eates travailleur social ? <\/strong>Nous vous proposons ce flyer (\u00e0 imprimer par vos soins) pour remettre aux publics que vous accompagnez. Il pr\u00e9sente rapidement le sujet et contient un QR code permettant d'aller consulter le guide en ligne.<\/p>\n\n\n<div class=\"postAttachment\"><div class=\"postAttachment__wrapper\"><div class=\"postAttachment__info\"><p class=\"postAttachment__name\">Flyer-offre-specifique<\/p><p class=\"postAttachment__fileSize\">3,4 Mo<\/p><\/div><a class=\"postActions__action postActions__action--big clickEvent postAttachement_link\" data-wp-interactive=\"fbf\/tracking\" data-wp-context=\"{&quot;category&quot;:&quot;file&quot;,&quot;action&quot;:&quot;download&quot;,&quot;label&quot;:&quot;Flyer-offre-specifique&quot;}\" data-wp-on--click=\"actions.push\" data-eventcategory=\"file\" data-eventaction=\"download\" data-eventlabel=\"Flyer-offre-specifique\" href=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2025\/05\/Flyer-offre-specifique.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><span class=\"postActions__label\">T\u00e9l\u00e9charger Flyer-offre-specifique<\/span><svg role=\"presentation\" class=\"postActions__icon\" width=\"14\"><use href=\"#download\" xlink:href=\"#download\"\/><\/svg><\/a><\/div><\/div>\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h4 class=\"wp-block-heading\">En compl\u00e9ment du guide \"Des solutions pour les personnes en situation de fragilit\u00e9 financi\u00e8re\" :<\/h4>\n\n\n\n<ul class=\"wp-block-list\"><li><a href=\"https:\/\/www.banque-france.fr\/fr\/a-votre-service\/particuliers\/connaitre-pratiques-bancaires-assurance\/compte-frais\/le-plafonnement-des-frais-bancaires-et-loffre-clientele-fragile\" target=\"_blank\" rel=\"noreferrer noopener\">Le plafonnement des frais bancaires et l\u2019offre client\u00e8le fragile - Banque de France<\/a><\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n<div class=\"titleWithShadowText\">\n    <div class=\"titleWithShadowText__inner\">\n                <div class=\"titleWithShadowText__wrapper\">\n            <svg class=\"titleWithShadowText__wave titleWithShadowText__wave--verticalLeft\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"239.12 0 188.4 666.65\"> <defs><clipPath id=\"a\"><path clip-rule=\"evenodd\" d=\"M500 0v500H0V0h500z\" \/><\/clipPath><\/defs><g clip-path=\"url(#a)\" transform=\"scale(1.3333)\"><path d=\"M319.23 500h0-139.882 0V0h1.468c0 79.482 64.304 108.12 73.914 180.986h0c9.61 72.865 2.476 64.708 11.96 136.62h0c9.485 71.911 31.518 80.281 44.568 116.901h0c8.7 24.413 11.357 46.244 7.972 65.493z\" fill-rule=\"evenodd\" \/><\/g><\/svg><svg class=\"titleWithShadowText__wave titleWithShadowText__wave--verticalRight\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 289 1024\"><path d=\"M2.514 1024h286.478V0h-3.006c0 162.779-131.695 221.43-151.376 370.659-19.681 149.228-5.071 132.522-24.494 279.798C90.691 797.731 45.567 814.872 18.841 889.87 1.023 939.868-4.418 984.578 2.514 1024z\" \/><\/svg><div class=\"titleWithShadowText__textWrapper\">\n                <h4 class=\"titleWithShadowText__title\">\n                    Voir aussi                                    <\/h4>\n                                <span role=\"presentation\" class=\"titleWithShadowText__shadow\">Voir aussi<\/span>\n                                                            <\/div>\n        <\/div>\n            <\/div>\n<div role=\"presentation\" class=\"titleWithShadowText__wave titleWithShadowText__wave--ie\"><\/div><svg class=\"titleWithShadowText__wave titleWithShadowText__wave--horizontal\" viewbox=\"0 0 35171 2240\"><use xlink:href=\"#wave\" href=\"#wave\"><\/use><\/svg><\/div>\n        \n\n<div class=\"carousel\" data-wp-interactive=\"fbf\/carousel\" data-wp-context=\"{&quot;perView&quot;:4,&quot;perViewTablet&quot;:2,&quot;perViewMobile&quot;:1,&quot;scroll&quot;:1,&quot;loop&quot;:true}\" data-wp-init=\"callbacks.init\"><div class=\"carousel__cards cards\" data-carousel-track><div class=\"carousel__item\"><article class=\"card card--white\" data-block=\"carousel\">\n    <header class=\"card__head\">\n      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srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2023\/09\/budget-endettement-928x270.jpg\">\n                        <source media=\"(min-width: 0px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2023\/09\/budget-endettement-382x270.jpg\">\n                        <img decoding=\"async\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2023\/09\/budget-endettement.jpg\" alt=\"\" class=\"card__backgroundImg\" loading=\"lazy\" \/>\n        <\/picture>\n                <div class=\"card__content\">\n            <div class=\"card__metas\">\n                <div class=\"card__submetas\">\n                                        <p class=\"card__category\">Le surendettement<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">Comment \u00e9viter le surendettement ?<\/span>\n                <\/h3>\n          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o\u00f9 commencer les d\u00e9marches administratives peut \u00eatre un d\u00e9fi suppl\u00e9mentaire. 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En d\u00e9tectant une situation de fragilit\u00e9 financi\u00e8re, elle peut proposer des solutions...<\/p>\n    <\/div>\n    <footer class=\"publication__footer\"><svg class=\"publication__icon publication__icon--cdb\"><use href=\"#cdb\" xlink:href=\"#cdb\"\/><\/svg><\/footer>\n<\/article>\n        <article class=\"publication\" style=\"background-color: #f9ae41\">\n    <header class=\"publication__head\">\n        <div class=\"postActions\"\n     data-wp-interactive=\"cdb\/post-actions\"\n     data-wp-context=\"{&quot;id&quot;:388,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/particulier\/saisie-solde-bancaire-insaisissable\/&quot;,&quot;title&quot;:&quot;La saisie et le solde bancaire insaisissable&quot;,&quot;thumbnail&quot;:&quot;&quot;,&quot;likes&quot;:36}\"\n     data-wp-init=\"callbacks.init\">\n    <button class=\"postActions__button\" aria-expanded=\"false\" title=\"Voir les actions\" data-wp-on--click=\"actions.toggleMenu\">\n        <svg class=\"postActions__iconMenu\" role=\"presentation\" width=\"26\" height=\"26\">\n            <use href=\"#containsMore\" \/>\n        <\/svg>\n        <span class=\"a11y-hidden\">Voir les actions<\/span>\n    <\/button>\n    <div class=\"postActions__actionsMenu\"\n         data-id=\"388\"\n         data-url=\"https:\/\/www.lesclesdelabanque.com\/particulier\/saisie-solde-bancaire-insaisissable\/\"\n         data-title=\"La saisie et le solde bancaire insaisissable\">\n        <ul class=\"postActions__list\">\n                        <li>\n                                <button role=\"checkbox\" aria-checked=\"false\"\n                        title=\"Aimer cet article\"\n                        class=\"postActions__action postActions__action--like\"\n                        data-wp-on--click=\"actions.like\">\n                    <span class=\"a11y-hidden\">Aimer cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--inactive\">\n                        <use href=\"#like\" \/>\n                    <\/svg>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--active\">\n                        <use href=\"#like--full\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                                    <li>\n                <button role=\"checkbox\" aria-checked=\"false\"\n                        title=\"Enregistrer cet article\"\n                        class=\"postActions__action postActions__action--bookmark\"\n                        data-wp-on--click=\"actions.bookmark\">\n                    <span class=\"a11y-hidden\">Enregistrer cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--inactive\" width=\"12\">\n                        <use href=\"#bookmark\" \/>\n                    <\/svg>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--active\" width=\"12\">\n                        <use href=\"#bookmark--full\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                                    <li>\n                <button type=\"button\"\n                        title=\"Partager cet article\"\n                        class=\"postActions__action sharePost\"\n                        aria-haspopup=\"dialog\"\n                        data-wp-on--click=\"actions.share\">\n                    <span class=\"a11y-hidden\">Partager cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon\" width=\"12\">\n                        <use href=\"#share\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                    <\/ul>\n    <\/div>\n<\/div>\n                        <p class=\"card__time\">2 Min<\/p>\n            <\/header>\n    <div class=\"publication__content\">\n        <p class=\"publication__type\">Guides bancaires<\/p>\n        <h3 class=\"publication__title\">\n            <a class=\"publication__link\" data-title=\"La saisie et le solde bancaire insaisissable\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/saisie-solde-bancaire-insaisissable\/\">\n                La saisie et le solde bancaire insaisissable            <\/a>\n        <\/h3>\n        <p class=\"publication__extract\">Quand votre compte bancaire est bloqu\u00e9 par une saisie attribution, comment r\u00e9agir ? Comment faire pour assurer les d\u00e9penses de la vie courante ? Ce guide vous pr\u00e9sente la...<\/p>\n    <\/div>\n    <footer class=\"publication__footer\"><svg class=\"publication__icon publication__icon--cdb\"><use href=\"#cdb\" xlink:href=\"#cdb\"\/><\/svg><\/footer>\n<\/article>\n        <article class=\"publication publication--extract\">\n    <header class=\"publication__head\">\n        <div class=\"postActions\"\n     data-wp-interactive=\"cdb\/post-actions\"\n     data-wp-context=\"{&quot;id&quot;:75,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/particulier\/reagir-separation\/&quot;,&quot;title&quot;:&quot;R\u00e9agir en cas de s\u00e9paration&quot;,&quot;thumbnail&quot;:&quot;&quot;,&quot;likes&quot;:49}\"\n     data-wp-init=\"callbacks.init\">\n    <button class=\"postActions__button\" aria-expanded=\"false\" title=\"Voir les actions\" data-wp-on--click=\"actions.toggleMenu\">\n        <svg class=\"postActions__iconMenu\" role=\"presentation\" width=\"26\" height=\"26\">\n            <use href=\"#containsMore\" \/>\n        <\/svg>\n        <span class=\"a11y-hidden\">Voir les actions<\/span>\n    <\/button>\n    <div class=\"postActions__actionsMenu\"\n         data-id=\"75\"\n         data-url=\"https:\/\/www.lesclesdelabanque.com\/particulier\/reagir-separation\/\"\n         data-title=\"R\u00e9agir en cas de s\u00e9paration\">\n        <ul class=\"postActions__list\">\n                        <li>\n                                <button role=\"checkbox\" aria-checked=\"false\"\n                        title=\"Aimer cet article\"\n                        class=\"postActions__action postActions__action--like\"\n                        data-wp-on--click=\"actions.like\">\n                    <span class=\"a11y-hidden\">Aimer cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--inactive\">\n                        <use href=\"#like\" \/>\n                    <\/svg>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--active\">\n                        <use href=\"#like--full\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                                    <li>\n                <button role=\"checkbox\" aria-checked=\"false\"\n                        title=\"Enregistrer cet article\"\n                        class=\"postActions__action postActions__action--bookmark\"\n                        data-wp-on--click=\"actions.bookmark\">\n                    <span class=\"a11y-hidden\">Enregistrer cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--inactive\" width=\"12\">\n                        <use href=\"#bookmark\" \/>\n                    <\/svg>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--active\" width=\"12\">\n                        <use href=\"#bookmark--full\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                                    <li>\n                <button type=\"button\"\n                        title=\"Partager cet article\"\n                        class=\"postActions__action sharePost\"\n                        aria-haspopup=\"dialog\"\n                        data-wp-on--click=\"actions.share\">\n                    <span class=\"a11y-hidden\">Partager cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon\" width=\"12\">\n                        <use href=\"#share\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                    <\/ul>\n    <\/div>\n<\/div>\n                        <p class=\"card__time\">3 Min<\/p>\n            <\/header>\n    <div class=\"publication__content\">\n        <p class=\"publication__type\">Guides bancaires<\/p>\n        <h3 class=\"publication__title\">\n            <a class=\"publication__link\" data-title=\"R\u00e9agir en cas de s\u00e9paration\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/reagir-separation\/\">\n                R\u00e9agir en cas de s\u00e9paration            <\/a>\n        <\/h3>\n        <p class=\"publication__extract\">Pour un couple, se s\u00e9parer ou divorcer ne modifie en rien le fonctionnement des comptes bancaires ou les procurations donn\u00e9es. Pour que des changements puissent \u00eatre effectu\u00e9s,...<\/p>\n    <\/div>\n    <footer class=\"publication__footer\"><svg class=\"publication__icon publication__icon--cdb\"><use href=\"#cdb\" xlink:href=\"#cdb\"\/><\/svg><\/footer>\n<\/article>\n        <\/div><\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>Pour les personnes en situation de fragilit\u00e9 financi\u00e8re, il existe une offre sp\u00e9cifique. Elle facilite la bonne gestion du compte gr\u00e2ce \u00e0 des produits et services bancaires adapt\u00e9s. Propos\u00e9e \u00e0 un tarif mod\u00e9r\u00e9, elle limite aussi les frais en cas d\u2019incidents. L\u2019objectif est de sortir au plus vite de cette situation inconfortable. Transcription Qui peut [&hellip;]<\/p>\n","protected":false},"author":13,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"likes":39,"views":26736,"viewed_at":"1778489897","newsletter":"0","_yoast_wpseo_primary_category":6,"footnotes":""},"categories":[33,6,4],"tags":[],"class_list":["post-275","post","type-post","status-publish","format-standard","hentry","category-difficultes","category-guides-bancaires","category-boite-a-outils"],"yoast_head":"<title>Ma\u00eetriser son compte en cas d&#039;incidents : l&#039;offre sp\u00e9cifique Guides bancaires - Les cl\u00e9s de la banque - Particulier<\/title>\n<meta name=\"description\" content=\"L&#039;offre sp\u00e9cifique aide les personnes en situation de fragilit\u00e9 financi\u00e8re \u00e0 mieux g\u00e9rer leur compte et limite les frais en cas d\u2019incidents.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/maitriser-compte-incidents-offre-specifique\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Ma\u00eetriser son compte en cas d&#039;incidents : l&#039;offre sp\u00e9cifique Guides bancaires - 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