About the handling fee: Generally, UnionPay will charge according to the exchange rate at that time (the exchange rate of UnionPay is very poor), but some ATMs will take the DCC channel (those who don't know the DCC channel can trust me privately, in short, the handling fee+exchange rate is about 3%). It is generally not recommended to withdraw cash.
According to reports, most merchants in the United States have not posted signs accepting bank cards, but merchants can use UnionPay debit cards as long as they have keyboards that can input passwords; As long as there are any signs of UnionPay, PULSE and Citibank on ATMs in the United States, you can use UnionPay cards to withdraw money, and many ATMs have been equipped with Chinese operation interfaces. When using ATM to withdraw money in the United States, in addition to the formalities charged by domestic card-issuing banks, American ATM operators will also charge a certain service formalities fee, but ATMs of Citibank, PNC Bank, United Bank (UCB) and Chase Bank do not charge this fee. The ATM operation in the United States is slightly different from that in China. You need to insert the bank card into the card slot before taking it out, and then the operation interface will appear on the ATM screen.
At present, according to the regulations of the State Administration of Foreign Exchange, each debit card can withdraw RMB equivalent to 5,000 dollars every day. If the consumption amount is not enough, citizens should make preparations before going abroad, such as buying traveler's checks or money orders at home and bringing cash from American banks. However, the handling fee is relatively high, ranging from the lowest in 50 yuan to the highest in 260 yuan.
In addition, UnionPay cards can and can only be exchanged for local currency at the exchange rate announced by UnionPay on the same day.
The use of UnionPay cards overseas is not as convenient as cash withdrawal. Many merchants only support Visa, Master or dinner.
If citizens need to withdraw cash in the United States, they can go to an ATM with any logo of UnionPay, PULSE and Citibank, and they can use UnionPay cards (credit cards or debit cards) to withdraw money.