BEST Student Bank in the Area: CHASE or UFCU?

Colleges and Universities A-Z The University of Texas at Austin
1

<p>Right now I'm hesitating between CHASE bank and the </p>

<p>I'm hesitating between that (somewhat random UFCU Federal Union and a larger chain/branch that is yet to be determined.</p>

<p>My main issues are</p>

<ul>
<li>No fees for using the debit card for purchase </li>
<li>A great online banking system (NO FEES FOR PAYING EVERYTHING ONLINE)</li>
<li>No "surprise" fees</li>
<li>Lots of ATMs around downtown and UT area (and no ATM fee?)</li>
</ul>

<p>And most importantly:</p>

<p>A good credit card plan. An interest rate that won't screw you over and decent credit limit for students.</p>

2

<p>I use Chase because my parents use it, and it has a great online system. UFCU has ATMs on campus though – something that Chase doesn’t have (you have to go to the Drag). To be honest, though, I don’t really use much cash at UT. I use an ATM maybe once a semester.</p>

<p>As for a credit card, don’t limit yourself to getting one from a particular bank. Get one from Capital One or Citi. I was approved for cards from both, with no previous credit history. Citi gives a larger credit limit, but Capital One has a better rewards system with no limitations.</p>