<p>That is an interesting article but PNC is not mentioned in it. We have not experienced any fees at all. You can set up low balance notifications to avoid overdrafts. It is important with all bank accounts to understand overdraft fees etc. and avoid them. When I was looking into this, I found that most checking accounts charge a monthly fee unless there is a relatively large minimum balance. Also, they have transaction fees for ATM withdrawals and checks over a certain number per month. That’s why PNC student checking is a good deal, they have no minimum balance or transaction fees for ATMs, checks, etc. You do have to use a PNC ATM though. It sounds like they have plenty on campus. The lack of ATMs for Chase may be an issue depending on whether your D will want to have actual cash or just rely on her ATM card for purchases. My experience is that D wants to have cash in her pocket as some things can’t be purchased with an ATM card.</p>
<p>I don’t know about time to transfer into PNC from other banks since I use PNC for my personal banking and it works instantly. You may want to give her a credit card for emergency use, as well as to begin to build up her credit rating.</p>
<p>Check with your home bank to see whether they will charge you for transferring funds to a PNC bank account and whether it is easy to do.</p>