After the foreign exchange funds arrive, the bank will call the phone number reserved in advance on the bank account information to inform that foreign exchange funds have arrived and ask the source of funds. There will be a limit of $50,000 per year for personal funds, but it is ok to have hundreds of thousands of dollars in company accounts. However, more funds need to be paid through Hong Kong. After the account is received according to the normal procedures, the online bank can exchange RMB, and never go to the counter to exchange it. The state still encourages online banking to handle business.