Small account management fee. The savings account of China Construction Bank will charge a small account management fee, and the bank will deduct a fixed sum of money every quarter. If the balance in the card is deducted, you need to pay it back if you want to use it. China Construction Bank (hereinafter referred to as China Construction Bank or CCB, formerly known as People's Construction Bank of China, renamed as China Construction Bank on March 26th, 1996) was established on June 5th, 954 (Wu Jianian). It is a joint-stock commercial bank and one of the top five state-owned commercial banks.