Fund rates are not charged by banks, but stipulated by fund companies. Every fund will be different. Some funds do not charge subscription fees whether you buy or not, and some funds are divided into front-end fees and back-end fees. You can choose to redeem it according to the holding time. The longer the time, the lower the rate. Generally, if it is held for one year, the redemption rate of most funds is 0.5%. You can ask the fund company for details.