Complain to the banks and stop using them. I don't know how many banks a
typical Chinese city has. I know a small town in the US though generally has
many banks to choose from.
That said depending on your needs there are banking features that are almost
impossible to get in the US without a significant amount of effort.
Take for instance remote check deposit for a small business. There are
generally no local credit unions available which a small business can
utilize. The few credit unions that do exist with this feature won't work
because they won't give accounts to small businesses. They can only provide
accounts to non-local individuals only.
We had this issue. The solution for us was to simply have people deposit
checks directly into our account in a city or two on the other side of the
country. Since we used a local bank there is something called shared branch
banking we used where you could stop into other banks that were not our own
to deposit the check who were part of a group of banks which share branching
facilities.
