We received a check from US Citibank. Since we have a joint account there, the check has both of our names on it. To deposit it, I went to China Merchandise Bank. I was told they can't take this check since I don't have joint account in local, even if they can take it, the fee is about 300CNY. I was advised to go to Citibank Shanghai branch. The fee there is much more higher, about 700CNY, even it is the same Citibank. To deposit this check in Citibank Shanghai branch, I need to open a joint account there first, which must have initial 80K CNY balance on it. Again, I was told to try other China banks. I went to Bank of China. They take the check, it doesn't matter for them if it is joint account or not, and the fee is about 60CNY. The service is way too different bank to bank. Bank of China is the big brother bank in foreign currency exchange. The bank has some services other banks just can't compete.