You can go to the nearest commercial bank for currency exchange. When exchanging, bring your ID card and go directly to the external counter to handle related business. If the relevant bank card has online banking, you can also handle related business through online banking. Select Exchange Settlement in Foreign Exchange on the online banking interface to convert the U.S. dollars in the card into RMB.
There is no handling fee for exchanging RMB against foreign currencies at the bank. The bank's exchange rate cost is directly calculated in the exchange rate. Please exchange according to the bank's timely quotation.