Banking for college students means holding a checking account, usually with a debit card and a savings account, to receive aid refunds and paychecks and to pay rent and bills. You need a government photo ID, a Social Security number or other tax ID (international students have alternatives), and a mailing address. You are never required to use the account your school promotes. Pick one with no monthly fee that you can keep after graduation, and turn off overdraft coverage on debit purchases.
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