Generally, you can be exempted from management fees based on the amount of deposits in your savings card (how much your average daily deposits are). Different banks have different requirements.

1 China Industrial and Commercial Bank of China: The card application fee is 5 yuan, the annual fee is 10 yuan/year, a small account management fee of 3 yuan/quarter is charged for less than 300 yuan, and the inter-bank withdrawal in the same city is 2 yuan/pen

2 Agricultural Bank of China: The card application fee is 5 yuan, the annual fee is 10 yuan/year, the small account management fee is 3 yuan/quarter if the amount is less than 300 yuan, and the inter-bank withdrawal in the same city is 2 yuan/transaction (4 yuan in Guangdong Province)

3 China China Construction Bank: The card application fee is 5 yuan, the annual fee is 10 yuan/year, and a small account management fee of 3 yuan/quarter is charged for less than 500 yuan, and no interest is paid on this type of account. For withdrawals from other banks in the same city, 4 yuan/amount + withdrawal amount 1% (that is to say, the fee for withdrawing money from other places is higher than that of other banks. It is so evil that it obviously forces its customers not to withdraw money from other banks, so that other bank customers can collect commissions when they withdraw money from their own ATMs, so everyone Even if you take a card from another bank and cross-bank for free, don’t go to China Construction Bank to withdraw money)

4 Bank of China: The card application fee is 5 yuan, the annual fee is 10 yuan/year, and there is no small account management fee. In the same city Inter-bank withdrawals are 4 yuan/pen

5 Bank of Communications: Card application fee is 5 yuan, annual fee is 10 yuan/year, small account management fee is 3 yuan/quarter for amounts less than 500 yuan, inter-bank withdrawals in the same city are 2 yuan /transaction

6 Postal Savings: Free card application, 2 yuan/transaction for inter-bank withdrawals in the same city, most provinces and cities do not charge annual fees and small account management fees

7 China People's Livelihood Bank: It is free to apply for a card, no annual fee, no small account management fee (except Shenzhen), the first three withdrawals per month for inter-bank withdrawals in the same city are free, and then 2 yuan/transaction

8 China Everbright Bank: Apply for a card Free, no annual fees, no small account management fees, intra-city inter-bank withdrawals are free for the first 3 transactions per month, and 2 yuan/transfer thereafter

9 CITIC Bank: Free card application, no annual fees, no small amounts Account management fee, the first 2 inter-bank withdrawals in the same city are free of charge per month, and the subsequent 2 yuan/transaction

10 Hua Xia Bank: Free card application, no annual fee, no small account management fee, intra-city inter-bank withdrawals are made every day ( Note 1: Every day, not every month) The first transaction is free, and the next transaction is 2 yuan/transaction

11 Shanghai Pudong Development Bank: Free card application, no annual fee, 2 yuan/transaction for inter-bank withdrawals in the same city, account management fee 12 yuan/year. If the balance in the account is always more than 1,000 yuan, or if a POS card is used to make a purchase during the year (it doesn’t matter how much, they are just encouraging card use), it will be waived.

12 Industrial Bank: Free to apply for a card, no annual fee, no small account management fee, the first three withdrawals per month for inter-bank withdrawals in the same city are free, then 2 yuan/transaction

13 Investment Promotion Bank: Free to apply for a card, no annual fee, 2 yuan/transaction for inter-bank withdrawals in the same city, account management fee: 1-5 yuan/month for the same customer with less than 10,000 yuan of assets in the bank (each branch decides at its own discretion, 1 yuan in Beijing, Qingdao 5 yuan, Tianjin 5 yuan, Shenzhen 3 yuan, I don’t know the rest). The “daily average assets” here refers to the sum of all deposits and treasury bonds in the bank. For example, you deposited 10,000 yuan in China Merchants Bank. Time deposit certificate, if you apply for 10 bank cards, and there is no money in each card, then these 10 cards will not charge money, but you have 3 cards, and the deposits in the cards are 3,000 yuan, 2,000 yuan, 2,000 yuan respectively, the total If it is less than 10,000, then each card will be charged.

14 Shenzhen Development Bank: It is free to apply for a card, no annual fee, and a small account management fee of 1 yuan/month is charged for purchases less than 300 yuan, but you only need to swipe the card once at the POS to make a one-year exemption, so Basically, there will be no charges. Withdrawals from banks in the same city are completely free (except Shenzhen, Chengdu, and Chongqing, 2 yuan/transaction)

15 Guangdong Development Bank: Free card application, no annual fees, and no small account management Fees, whether in the same city or across different places, the first 3 withdrawals per month are free, and the subsequent 3 yuan/transaction

16 Bohai Bank: In principle, it is 20 yuan to apply for a card, the annual fee is 20 yuan/year, and it is charged for less than 5,000 yuan. The account management fee is 5 yuan/month, but in fact it is free to apply for the card, no annual fee, no small account management fee, and withdrawals from banks in the same city are completely free. This is a newly established bank with a national license (general *** nationwide). 18), currently only has business outlets in Tianjin, Beijing, Jinan, Taiyuan, Hangzhou, Tangshan and Chengdu.

17 Hengfeng Bank: Free card application, no annual fees, no small account management fees, nationwide inter-bank withdrawals of 2 yuan/transaction, currently the bank only operates in Yantai, Qingdao, Jinan, Hangzhou, There are business outlets in Nanjing.

18 Zheshang Bank: 10 yuan to apply for a card, annual fee 10 yuan/year, no small account management fees, the first 3 withdrawals per month for inter-bank withdrawals in the same city are free, and 2 yuan/transaction thereafter. Currently, the bank We only have business outlets in Hangzhou, Ningbo, Wenzhou, Yiwu, Shanghai, Nanjing, Chengdu, Xi'an, and Tianjin.

19 Bank of Nanjing: All fees are waived, and no fees are charged for withdrawing money from any ATM machine in China.

The above is the specific situation of the 18 banks with national licenses.

Among online banks, Industrial and Commercial Bank of China, China Merchants Bank, China Minsheng Bank, and Shanghai Pudong Development Bank have the most complete functions. Agricultural Bank of China, China Construction Bank, Bank of China, Bank of Communications, Hua Xia, Industrial Bank, Shenzhen Development Bank, and Everbright can also fully meet the needs. Guangfa's functions are weaker, as are the three small banks. The Postal Service does not yet have online banking in a complete sense.

In addition, the cards of local banks, city commercial banks, urban credit unions (definitely not available in big cities), rural commercial banks (suburban areas of large cities), and rural credit cooperatives (suburban areas of small and medium-sized cities) are also good and charge a fee. Generally it is relatively low, you can try it.

Large local city commercial banks:

Bank of Beijing

Bank of Shanghai

Bank of Tianjin

Shenzhen Ping An Bank

Huishang Bank

Langfang Bank...

From the above charging standards, if you use a China Construction Bank card, you must try to minimize inter-bank withdrawals. It is best not to apply for a China Construction Bank card. Except for Guangdong, Agricultural Bank of China charges 2 yuan/transaction in the same city, and Industrial and Commercial Bank of China charges 2 yuan/transaction nationwide. The best and easy-to-use one is Bank of Nanjing, because it doesn’t charge any fees nationwide, including its ATMs