Let me give you some advice. I suggest you get a debit card from Huaxia Bank (that is, a savings card that cannot be overdrawn). The school doesn't issue cards, so get one yourself. When I go to college this year, the school will send me a card.

You have to pay an annual fee and a production fee to apply for a card. The four major state-owned banks all charge a production fee of 5~ 15 yuan, and the annual fee is 10 yuan. If you deposit or withdraw money locally, there is no handling fee for the card, but it will be charged in different places. In the introduction I sent from the university about Nanjing, Huaxia Bank does not charge fees for deposits and withdrawals in different places, and also said that Huaxia Bank Alipay card does not charge fees for the first inter-bank transfer every day. It is very convenient to transfer money on Taobao.

Small account management fee is the last day of each month. If the balance in your card is not satisfied, 300 yuan will deduct 3 yuan every quarter. As long as your card keeps the deposit amount above 300 yuan, it will not be deducted. Ask Huaxia Bank in official website. Anyway, the four major state-owned banks will not have too many concessions. Huaxia Bank offers many discounts, but there are too few outlets.