2- my son, also a National Scholar, didn’t have his freshman enrollment appointment until July last year. It was fine, he got the classes that were important to have right away, and had options when it came to rounding out the schedule.
3- he opened accounts at the OU credit union, and that has worked fine. He also has a checking account tied to one of mine, which coupled with a debit mastercard would let me get money to him quickly in an urgent situation.