Answer: I have also had such an experience, and I will share it with you now, hoping it will be helpful to you. There is no annual fee for the postal savings card (debit card), but there is a small account management fee. If the account is less than 100 yuan, it will be charged 3 yuan per quarter. You can apply for a management fee exemption at the bank card counter. If you have multiple postal savings cards, you can choose one to waive the management fee.

1. Postal savings card (referred to as green card) is a financial transaction card issued by the national postal department to provide financial services to depositors. Postal savings cards are issued to individual urban and rural residents with postal savings cards. All urban and rural residents who open a current savings account at a postal savings computer networked post office (or postal savings point) can apply for a postal savings card with their ID card. Its main function is to deposit and withdraw money at networked ATMs and postal savings banks, and to make purchases at networked POS. Hainan Postal Savings is now connected to nearly 28,000 outlets in 31 provinces and municipalities across the country.

The Postal Savings Bank of China can trace its history back to the postal savings business established in 1919. In March 2007, on the basis of reforming the original postal savings management system, Postal Savings Bank of China Co., Ltd. was officially established. In January 2012, the company was restructured into a joint stock limited company. In December 2015, ten domestic and foreign strategic investors were introduced. In September 2016, it was listed on the Hong Kong Stock Exchange. In December 2019, it was listed on the Shanghai Stock Exchange, successfully completing the three-step reform goal of "shareholding reform - leading to war - listing in A and H places" [19]. [17]

2. China Postal Savings can be traced back to the postal savings business launched in 1919, which has a history of a hundred years. In March 2007, on the basis of reforming the original postal savings management system, Postal Savings Bank of China Co., Ltd. was officially established. In January 2012, the company was restructured into a joint stock limited company. In December 2015, ten domestic and foreign strategic investors were introduced. In September 2016, it was listed on the Hong Kong Stock Exchange. In December 2019, it was listed on the Shanghai Stock Exchange and successfully completed the three-step reform goal of "shareholding reform - leading to war - listing in A and H places". The Bank has nearly 40,000 business outlets and serves more than 600 million individual customers. It leverages the advantages of its unique "self-operated + agency" model to serve "agriculture, rural areas and farmers", urban and rural residents, and small and medium-sized enterprises. The Bank has excellent asset quality and significant growth potential, and is China's leading large-scale retail bank.

3. The Bank insists on serving the real economy, actively implements national strategies and supports the construction of China’s modern economic system, and achieves its own sustainable development. Adhere to customer-centeredness, build a financial service system that is interconnected and integrated online and offline, and provide customers with high-quality, convenient and efficient comprehensive financial services. We adhere to the risk-based approach and continue to improve the construction of a “comprehensive, full-process, all-staff” comprehensive risk management system, and asset quality continues to maintain an excellent level. Adhere to the mission of "inclusive urban and rural areas, so that there is no distance between financial services" and provide inclusive financial services; comply with the trend of residents' wealth growth and consumption upgrading, develop wealth finance; support the transformation and upgrading of industrial structure, develop industrial finance; implement carbon peak, carbon Neutralize major deployments and develop green finance. Use financial technology to empower high-quality development and create a digital ecological bank that serves rural revitalization and new urbanization. After 14 years of hard work, the Bank’s market position and influence have become increasingly evident. Fitch and Moody's respectively gave the bank A+ and A1 ratings that are consistent with China's sovereignty. S&P Global gave the bank an A rating, S&P Ratings gave the bank an AAAspc rating, and China Chengxin International gave the bank an AAA rating. The outlook for both is Stablize. In 2021, the Bank ranked 15th in the "Top 1000 Global Banks" by the British "Banker" magazine. Facing a period of strategic opportunities with great potential for China's economic and social development, the Bank will base itself on the new development stage, implement new development concepts, serve the new development pattern, comprehensively deepen reform and innovation, and strive to build a bank with customer trust, distinctive features, stability and security, innovation-driven, and value The premier large retail bank of excellence.