<p>CEFCU is the way to go really, if you’re under 18 when you open an account you can have it as a joint and it will be under the child’s name when he turns 18. They’re the most convenient as you can get online banking, and an ATM card (no fees with the ATM that’s right on campus near the bookstore) and yeah.</p>
<p>I’ve gotten through a year without a checking account and I still don’t see much of a use for it since I’m paying off credit cards and everything else using online bank transfers.</p>