<p>Even though S2 had a joint checking/savings with me from hs we looked into what might be easier for his college campus. The bank there, BoA, did have a ‘free’ student checking that was ‘free’ until you needed to step into a branch. So anything you can do from an ATM is free, however the minute you need to walk into a branch and talk to a live person for any reason you are charged a fee for that ‘free’ student checking. That seemed really obnoxious to me. He’s kept his original account (Wells Fargo) which has a branch 1/2 mi off campus. He uses debit everywhere as well as his student card that has cash ‘pre-loaded’ for laundry, vending, etc. He deposits checks from a mobile app. Every once in a while he uses the closer ATM and pays a fee (maybe once a semester if that), nbd. It has not been an issue at all. As I’m on his account and I hold my other accounts at the same place it’s very easy to keep an eye on his account when I log in to ensure there’s no fraud (2 of my 3 kids have had unauthorized charges on their accounts), as well as transfer funds immediately if I’m paying for something he’s originally paid for, etc.</p>