<p>I am a first year student at Smith College and made the same inquiry after I was accepted. There is a Bank of America branch with an ATM in downtown Northampton. It is a 5 minute walk from campus. There was a special student account which I opened which has no fees so long as you keep a minimum $25.00 balance and only use the ATM’s for deposits and withdrawls and your debit card for puchases. If you use the tellers, fees are then assessed against the account monthly thereafter. Check and see if such an account is still available.</p>