<p>Sikorsky - we went with USAA for my daughter and I couldn’t be more satisfied. It’s a piece of cake. For all intents and purposes there are no fees - she gets free atm use at dozens of places all over such as CVS pharmacy, but they also waive the fees at atm’s which charge for quite a few uses per month - can’t remember how many but she’s never even needed to use any of them as she can find free atm all over.</p>
<p>She has a smartphone and with it she can deposit checks! Paychecks, personal checks, whatever! </p>
<p>We went ahead and got a credit card (jointly with me) in case of overdraft and also just for emergencies. She hasn’t ever activated any overdraft so far but if she did it would just be a one hundred dollar transfer to her atm account, and would not incur a fee for that either.</p>
<p>Our local credit union did not have any networking with the credit unions in her school’s community, so I’m really grateful we were eligible for USAA. If you can get it, their banking is a fantastic deal for students.</p>
<p>If not eligible for USAA, that Ally Bank looks like a good deal. I was hesitant about online banking but it has been absolutely no problems at all. She can deposit her checks and get money out or pay for things just fine. I can transfer money to her ATM account directly from my credit union online. About the only thing we haven’t figured out a really seamless way to handle is depositing large amounts of cash. Unfortunately that hasn’t been much of an issue, though. lol.</p>