What bank card has the lowest annual fee and service fee?

Postal currency card remittance and transfer (including remote places) is the cheapest, and deposit 10 yuan account is free of annual fee. There is a small management fee of 1 yuan per month (the average daily deposit is less than 100 yuan), ICBC Peony Card (10 yuan to open the card, annual fee 10 yuan), and Bank of Zhengzhou Shangding Card (10 yuan) to pay the water and electricity fee (insert the bank card into the payment machine). Make your withdrawal free (no annual fee and small management fee), Zhengzhou Industrial Bank Natural Life Card (0 yuan account, no annual fee and small management fee), Zhengzhou East bank of luoyang City Card (1 yuan deposit account, no annual fee and small management fee), and all withdrawals in Henan Province (off-site and inter-bank fees). China Merchants Bank card, 0 yuan account, no annual fee and small management fee, no transaction for more than two years, the card number will be automatically cancelled. Secondly, handling deposits and withdrawals at the counter of Bank of China has the shortest queuing time (BOC's business is low, haha). On the contrary, ICBC and China Construction Bank have the most businesses. Therefore, the most satisfying thing is the Agricultural Bank of China. Although the card opening fee is 5 yuan, and there is also a deposit of 10 yuan and an annual fee of 10 yuan, online banking is free (only the original ID card is required), free K-treasure is sent, and free SMS reminder is provided for account deposit and withdrawal.