2. There are also credit cards, which most people use. There is no money in the credit card, so you can spend it and pay it back on time without interest.
I suggest you use China Everbright Bank. Even the first three transactions in the same city are free, and there are many outlets.
1. Industrial and Commercial Bank of China: the card processing fee is 5 yuan, and the annual fee is 10 yuan/year, which is lower than the small account management fee in 3 yuan, 300 yuan/quarter. The same city/trading bank withdraws money from 2 yuan.
2. Agricultural Bank of China: the credit card processing fee is 5 yuan, the annual fee is 10 yuan/year, which is lower than the small account management fee charged by 3 yuan, 300 yuan/quarter, and the interbank withdrawal in the same city is 2 yuan/pen (4 yuan, Guangdong).
3. China Construction Bank: The annual fee for handling the card is 5 yuan, 10 yuan/year, which is lower than the management fee for small accounts in 500 yuan, and 3 yuan/quarter. Such accounts do not pay interest. 4 yuan +65438+ 0% of the withdrawal amount for inter-bank withdrawals in the same city (that is to say, the handling fee is higher than that for withdrawals from other banks in different places. At home, they obviously forced customers not to withdraw money from other banks, so other bank customers came to their ATMs.
4. China Bank: Credit card processing fee is 5 yuan, annual fee 10 yuan/year, and small account management fee is not charged, and banks in the same city withdraw money from 4 yuan.
5. Bank of Communications: the card swiping fee is 5 yuan, and the annual fee is 10 yuan/year, which is lower than the small account management fee charged by 3 yuan, 500 yuan/quarter, and the interbank withdrawal in the same city is 2 yuan/transaction.
Postal savings: it is free to apply for a card, and banks in the same city withdraw 2 yuan/pen. Most provinces and cities do not charge annual fees and small account management fees.
China Minsheng Bank: Card handling is free, no annual fee, no small account management fee (except Shenzhen), and the first three withdrawals in the same city and across banks are free, followed by 2 yuan/transaction.
8 China Everbright Bank: Card handling is free, with no annual fee and no small account management fee. The first three withdrawals in the same city are free every month, and then 2 yuan/pen.
CITIC Bank: It is free to apply for the card, and there is no annual fee and small account management fee. The first two withdrawals from banks in the same city are free every month, and then 2 yuan/pen.
10 Huaxia Bank: it is free to apply for the card, without annual fee and small account management fee, and the first withdrawal in the same city 1 every day (note 1: every day is not monthly) is free, and then 2 yuan/transaction.
1 1 Shanghai Pudong Development Bank: it is free to apply for a card, and there is no annual fee. Account management fee 12 yuan/year. If the balance in the account is always 000 yuan? JE5 or above, or? If the POS machine swipes the card within $B4 (it doesn't matter how much, they are just encouraging the use of the card), it is not required.
12 Industrial Bank: card handling is free, with no annual fee and small account management fee, and the first three withdrawals in the same city are free every month, and then 2 yuan/transaction.
13 China merchants bank: it is free to apply for a card, and there is no annual fee. 2 yuan/transaction of inter-bank withdrawal in the same city. Account management fee: 1-5 yuan/month If the assets of the same customer in the bank are insufficient 10000 yuan (at the discretion of each branch, Beijing 1 yuan, 5 yuan in Qingdao, 5 yuan in Tianjin and 3 yuan in Shenzhen, the rest will not be mine. You deposited 10000 yuan in China Merchants Bank and set up 10 bank cards. Each card has no money, so this 10 card will not receive any money, but you have three cards, and the deposits in the cards are 3000 yuan, 2000 yuan and 2000 yuan respectively, which is less than/kloc-0.