Huaxia Bank is better for the following reasons:

1. Huaxia Bank is a joint-stock bank, engaged in financial activities nationwide. Besides the basic business of a bank, it also engages in other businesses, such as insurance. These banks have fewer outlets than state-owned banks, but they also have many advantages, such as free local cross-bank remittance of China Merchants Bank, and so on.

Shanghai Pudong Development Bank is a city commercial bank. The main investors are local finance, enterprises and institutions, and some natural persons have been absorbed as shareholders. Generally, it is a city with 100 or more, such as Bank of Beijing, Bank of Nanjing, Bank of Ningbo and Bank of Hankou. In order to encourage deposits, these banks charge lower fees. For example, the Bank of Beijing, as I know it, charges according to the number of transactions rather than the amount. For example, it withdraws 2,000 yuan from different places, Bank of Beijing charges 2 yuan commission, and Industrial and Commercial Bank of China charges 20 yuan.