Do I need to go to the bank to apply for a visa?

you don't need to go to the bank to apply for a visa. The method of issuing visas is as follows:

1. I apply directly to foreign embassies or consulates in China.

2. Entrust the visa office of China Travel Agency to apply for it (generally only for tourist visas).

3. Foreign relatives and friends apply for visas directly to the immigration office of that country.