qǔkuǎn huòzhě cúnkuǎn yǒu shǒuxùfèi ma?

This is a very common question.

In this sentence, 或者 means or in the sense of joining two possibilities as a general category:

• 取款或者存款 = withdrawing money or depositing money

Then the whole sentence asks whether a fee exists for either of those actions.

By contrast, 还是 is usually used in an alternative question, where the speaker asks the listener to choose between two options:

• 你要取款还是存款？
  Do you want to withdraw or deposit?

So:

• A 或者 B，有手续费吗？ = Is there a fee for A or B?
• A 还是 B？ = A or B? Which one?

That said, in real speech, some native speakers may still use 还是 in related situations, but for this sentence 或者 is the more standard choice.

Here 有 does not literally mean to have in the English ownership sense.

It often means there is / there are / to exist.

So:

• 有手续费 = there is a service fee / a fee applies

In this sentence:

• 取款或者存款有手续费吗？
  literally: For withdrawing or depositing, is there a handling fee?

This use of 有 is extremely common in Chinese:

• 这里有厕所吗？ = Is there a restroom here?
• 这家银行有年费吗？ = Does this bank have an annual fee? / Is there an annual fee at this bank?

Chinese very often leaves out the subject when it is obvious from context.

In a bank situation, the listener naturally understands that the question is about the bank, ATM, card, or account service. So Chinese does not need to explicitly say:

• 这家银行
• 这个ATM
• 这张卡
• 这个账户

depending on context.

A fuller version might be:

• 这家银行取款或者存款有手续费吗？
  Is there a fee for withdrawals or deposits at this bank?

But if everyone already knows what service is being discussed, the shorter version sounds completely natural.

吗 turns a statement into a yes-no question.

Compare:

• 取款或者存款有手续费。
  There is a fee for withdrawals or deposits.

• 取款或者存款有手续费吗？
  Is there a fee for withdrawals or deposits?

This is one of the most basic Chinese question patterns:

• statement + 吗

Examples:

• 你忙吗？ = Are you busy?
• 可以刷卡吗？ = Can I pay by card?
• 这里能停车吗？ = Can I park here?

So in your sentence, 吗 signals that the speaker is asking whether such a fee exists.

They can function a bit like both, which is very normal in Chinese.

• 取款 = to withdraw money / withdrawal
• 存款 = to deposit money / deposit

In this sentence, they refer to the actions or service categories of withdrawing and depositing. English often has to choose clearly between a verb form and a noun form, but Chinese is often more flexible.

You can think of them here as:

• withdrawal or deposit transactions

or more literally:

• withdrawing money or depositing money

This flexibility is common in Chinese vocabulary.

手续费 means service charge, handling fee, or transaction fee.

Breakdown:

• 手 = hand
• 续 = continue / procedure-related element
• 费 = fee

You do not need to memorize the literal parts too much; as a whole, 手续费 is a set expression meaning a fee charged for handling a transaction or service.

In banking, it often refers to fees for things like:

• transfers
• withdrawals
• deposits
• account services

So in this sentence, the speaker is asking whether withdrawing or depositing involves any extra charge.

Chinese often uses a topic-comment style.

Here, 取款或者存款 is the topic: what we are talking about.
Then 有手续费吗 is the comment/question about that topic: is there a fee?

So the structure is roughly:

• As for withdrawing or depositing, is there a fee?

This is very natural in Chinese. English usually needs more structure, such as:

• Is there a fee for withdrawing or depositing?

Chinese does not need a word exactly like for here.

Yes, that is also natural.

Compare:

• 有手续费吗？ = Is there a service fee?
• 要手续费吗？ = Does it require a service fee? / Do I need to pay a service fee?

Both are common, and the difference is small in many situations.

A few nuances:

• 有手续费吗？ focuses on whether such a fee exists.
• 要手续费吗？ focuses a little more on whether payment is required.

Another common version is:

• 取款或者存款需要手续费吗？
  Is a service fee required for withdrawals or deposits?

This sounds slightly more formal.

Yes, it is natural, but adding 请问 makes it more polite.

For example:

• 请问，取款或者存款有手续费吗？
• 请问，取款或存款需要手续费吗？

Both are polite and very usable.

Notes:

• 请问 = May I ask...
• 或 is a shorter written form of 或者

If you are speaking to bank staff, adding 请问 is a good habit.

Because in this pattern, 手续费 is being mentioned as a general category, not counted as a specific number of fees.

So:

• 有手续费吗？ = Is there a service fee? / Are there fees?

You are not saying:

• 一个手续费
• 一些手续费

You are simply asking whether this kind of charge exists.

This is normal in Chinese. Many nouns appear without a measure word when they are used in a general, non-counted way.

In this sentence, it most naturally asks about the category withdrawals or deposits in general.

Depending on context, it can mean:

• Is there a fee for either one?
• Is there a fee for these kinds of transactions?

If you want to be more explicit, you could separate them:

• 取款有手续费吗？存款也有吗？
  Is there a fee for withdrawals? Is there also one for deposits?

Or:

• 取款和存款都有手续费吗？
  Do both withdrawals and deposits have fees?

So the original sentence is slightly broad, which is often fine in real conversation.

Yes, especially tone combinations.

• 取款 qǔkuǎn: both syllables are third tone in citation form. In natural speech, the first third tone usually changes to a rising tone because of third-tone sandhi, so it sounds more like qúkuǎn.
• 存款 cúnkuǎn: second tone + third tone
• 或者 huòzhě: fourth tone + third tone
• 手续费 shǒuxùfèi: third tone + fourth tone + fourth tone

A useful tip: even if your sandhi is not perfect, clear syllables and correct basic tones are more important at first than trying to sound advanced.

Usually no, not if you want to keep the meaning or.

• 和 = and
• 或者 = or

So:

• 取款和存款有手续费吗？
  would sound more like Are there fees for withdrawals and deposits?

This may suggest both together, or both categories as a set.

• 取款或者存款有手续费吗？
  means withdrawals or deposits / either withdrawals or deposits

In some contexts the practical meaning may overlap, but 或者 is the better word if you really mean or.