Chinese banks are just as bad as U.S. DMVs. They are slow, anal about paperwork, no one is in a good mood, and no matter what you went there to do, there’s about 15 steps that need to be taken to get it done. I can order laundry detergent and donuts to my house in 15 minutes using only an app, but exchanging currency takes well over an hour. Fix the system, China, it’s broken.