• outlets .. 132 in Beijing, far more than HSBC
• nearest branch 68784030 (9-17:30)
• hotline +86-755-95555 … after 12 am emergency services only.
• FB_balance $0
• webank is discouraged. Mobank is recommended.
• Transfer-out is Rmb20k/day

— j4 CMB

• j4: ChannelA 0.5% fee, max Rmb60 for 10k withdrawal.
• #1 j4 (over PSBC): keep wife’s ChannelA /operable/ when PSBC is frozen? Hopefully
• j4 (over PSBC): no 绑定码
• j4 (over PSBC): no NRIC needed on every flight to China
• j4 (over PSBC): more “foreigner-friendly”
• j4 (over PSBC): can open account for age 16-17
• j4 (over PSBC): can open account for age 11, under custody

— account opening .. passport + smrz mobileNum
— mobileNum needs smrz .. Rmb180 can last 2 years.
For Zofia, can set up long-term number at T3 ChnM. Optionally, when we have time, transfer #178 to her. Updating mobileNum is fast but must go to branch, with smrz proof of new number.

— age 11: Option P: Parent can give his smrz mobile number + [ official birth cert + both passports to show relationship] but the birth cert need 海牙认证.

For meimei, this is too complicated due to name change.
— age 16-17: Better give a good reason like wcpay/alipay, and overseas card spend

• Option P
• Option 1: If you can get a smrz-mobileNum then the accont can be opened and usable for ChannelA. For boy, can set up a temp 14D mobileNum at T3 Unicom. In Singapore, quickly log in (not required) and start ChannelA. Even after mobileNum expires, we can still transfer in and use ChannelA.
• Option 3: 非实名认证手机号 might be usable to open the account, with “lower” transaction limits

— What if mobileNum expired? Can transfer in and withdraw, as confirmed with hotline

• balance check on overseas ATM .. should be FOC
• balance check via phone banking automated.. requires 查询PIN + card number
• balance check via phone banking live agent .. requires 查询PIN + card number