Get a savings card, that is, a debit card, and then fill out the form at the counter to do online banking, and the service staff will have specific tips. Credit cards can also be used for online banking, but it is generally difficult for college students to use credit cards, so it is better to use savings cards.

I have used the online banking of ICBC, Agricultural Bank of China, China Construction Bank and Bank of Communications. I recommend ICBC or ABC. See which bank near you is more convenient to deposit money. And try to use the online banking of big banks to facilitate online payment, because many platforms may not support the online banking of some small banks. I hope it helps you.