At present, the personal account of any domestic bank can accept overseas remittance. Of course, due to the different clearing channels of banks, the amount received may be a little different. Generally speaking, banks that have been engaged in foreign exchange business for a long time, such as Bank of China, have shorter clearing channels and fewer transit banks, so the fees deducted are less.

You just need to open a current all-in-one passbook in the Bank of China. After receiving the remittance, you can go to any branch of the Bank of China and sell the US dollars for RMB. It's not that complicated.