The four major banks are all quite good, and they can all be settled in US dollars. You don't have to pay a deposit to stay in a hotel. I'm from China Construction Bank.

Bank of Communications, many restaurants can be discounted, while China Merchants Bank has many gifts and activities.

You'd better go to the bank, not in any store or supermarket. Go to the bank and ask the lobby manager to discuss it with you. If you are satisfied, do it. If you are not satisfied, change to another one.