I'm honored that you asked me questions.
First of all, I am a senior, and I understand your doubts, because that's how I got here. Then, what I want to tell you is that the fund is the product of the fund company, and the bank is only responsible for sales. So the same fund is the same in any bank. So, which bank you want to choose depends on which bank card you have. I suggest ICBC or CCB is better.
If you visit 200 yuan every month, it is recommended to invest 070002 Harvest Growth. This fund is characterized by stability, and its historical performance is the second best among all funds. We can start with this. Since you are a student, there must be books related to funds in your school library. When I first came into contact with the fund, I also read books first. The advantage of reading books is that you can comprehensively and systematically understand various definitions and general concepts of funds, which will be of great help to your fund operation. There is a book called People in the World. See if your school has it, hehe.
Furthermore, it is suggested to open online banking, so that you can buy and sell funds at home, which is very convenient and easy to use.
To handle the fixed investment of the fund, you only need to come to the bank counter and tell the bank staff that you want to buy the fund. Maybe he will entrust you to the staff who specialize in fixed investment business. Then, you only need to say that you will invest in 070002 Harvest Growth, and make a fixed investment in 200 yuan every month, with a fixed investment date of 10, and reinvest with dividends. . . . . . . Do it. . . . . . . . It should be noted that you can't listen to the recommendation of bank employees, because banks sell funds on a commission basis, all of which have sales targets. Usually, bank employees will recommend funds to novices like you regardless of their quality. In this way, it is often bad for you novices. Anyway, sit on my desk and wish you success in financial management.
If there is anything unclear, please ask.