<p>I still suggest using a major bank like Bank of America. You’ll be able to keep this after you graduate and use it all around the country, since it’s one of the largest in branches and ATM networks. UFCU is only around UT campus areas and a few satellite locations, you won’t find it almost anywhere else.</p>
<p>Plus BoA does credit cards, auto loans, mortgages; things you’ll inevitably need in the future (even if not for a decade). It’s good to have a standing relationship with a big bank for a long time. If they see you can hold a checking/savings account for many years, and never overdraft and you have a constant steam of income, they are more likely to approve you for larger lines of credit and lower rates on loans/mortgages.</p>