Can I apply for a visa to Beijing if I have no passbook and am umemployed?

HI Good day...MY sister wants me to accompany her and her children together with her husband who is a chinese in fujian china...How can i get a visa??because they are the one who will pays for our trip,we will be staying at their house not in hotel...ive been reading a lot of articles for applying in china visa and too bad i dont have passbook (bank)i just have an ATM and i'm unemployed now...can i still have the chance to go with them..because i need to know ASAP coz they will purchase a ticket soon because our travel would be on the 1st week of the april..Hope to hear from you...