At present, it can realize the functions of opening online banking with bank card, purchasing funds regularly during the survival period and paying foreign exchange fees. It's just a question of whether the function is comprehensive or not. At atm, banks have to pay for withdrawals from different places, and even more for cross-bank withdrawals, because it is charged by UnionPay institutions. I didn't hear what you said. Everything is free. This is not good. Banks and fund companies have different charging laws, and different funds are different. You choose a good fund, and then go to the fund company's website to check the rate of that fund in different banks, and the company will list it. As low as 0.6%, it is generally necessary to open an account directly in the fund company's online transaction, and to buy there, you need to specify a deduction account. Generally, you can only give the Agricultural Bank of China Jinsui debit card, and it is a fixed investment. To tell the truth, online banking has a comprehensive and powerful function, and the four major banks, such as ICBC and Agricultural Bank, have better capital concessions. If you don't want it, you can't help it. Let's choose China Merchants Bank.