I opened a personal account for people in the Agricultural Bank of China, and there was no charge, that is, if there was no money in the account (probably less than 5,000 yuan), I had to deduct some money, that is, the account management fee. Prepare some materials, business licenses, originals and photocopies of national tax and code certificates, and ID cards and photocopies of legal persons and managers. Fill in the form and reserve the seal (financial seal and legal person seal), and wait for the account opening permit to come down in a week or so. Don't say that self-employed people are ordinary taxpayers' households. If the bank forces you to open online banking, you can complain to the CBRC.