<p>Mamalin, we have a similar situation to you and are trying to figure out the best approach. D will attend Wellesley this fall and we are US Bank customers. I also have a INGDirect/CapitalOne360 account. </p>
<p>My understanding is US Bank is a member of the MoneyPass network of free ATMs. See <a href=“https://www.usbank.com/locations/index.html[/url]”>https://www.usbank.com/locations/index.html</a> and [MoneyPass</a> - ATM Locator](<a href=“http://www.moneypass.com/atm-locator.aspx]MoneyPass”>http://www.moneypass.com/atm-locator.aspx) This shows Century Bank, 75 Central St, Wellesley, MA 02482 as being both Deposit Taking and Surcharge-Free for US Bank customers. It also appears to be very close to campus. Did your D find that this is not a viable option?</p>
<p>If we go with CapitalOne360, it seems the CVS at 65 Central St is surcharge free, but it does not accept deposits. As you mentioned CapitalOne would allow her to deposit via direct deposit or a smartphone scan without charge, but our experience is they place longer holds on funds than does US Bank. Did your D find she had access to her money quickly with CapitalOne360?</p>
<p>The closest BofA branch is over 100 miles away from our home, so that is no good for us. I’m hoping the USBank approach is workable, but CapitalOne360 may be an acceptable option too.</p>
<p>Thank you (and others) for your ideas and experiences.</p>