All major banks such as industry, agriculture, China and construction can accept it. Just open a dual-currency or multi-currency card in the corresponding bank.

The exchange rate of remittance account is higher than that of paper account, but as you said, there is a limit of 50 thousand dollars in each natural year, which can be transferred to your immediate family account and then converted into RMB. Please ask me again if you don't understand. My foreign currency account in CCB also has SMS reminder function.