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- Decide whether
or not you need a bank/credit union account in the local area.
- Determine
where the banks/credit unions are located; select one close to
you.
- Select a
bank/credit union with accessible branch offices and ATMs.
- Know when
you will be charged a fee for using an ATM that does not belong
to your financial institution.
- Be aware
of fees and hidden charges i.e., when you write checks, transaction
fees, if you need a cashier's check, monthly fees, etc.
- Be aware
of the minimum account balance.
- Ask other
students for suggestions when researching what bank/credit union
to join.
- Decide if
you want to include your parents on your account. Parents can
deposit money into your account.
- Determine
if you want a savings account, checking account, both, or one
or the other.
- ATM/Debit
cards are good things to have in place of cash.
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