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Student Bank Accounts 2009

Various banks in the US are providing the students with various offers for the Student bank accounts 2009. Let’s review some of the hottest offers made by the topmost banks of USA. The first one that is worth mentioning is The Citibank. Although getting a student’s account in Citibank is not that easy, especially after the recent economic crisis. However, the main criterion for opening a student bank account for this bank is that you have to be enrolled in an accredited college in the US. They are giving an opportunity to apply for an FDIC-insured Citibank Student Account with only a nominal opening account deposit of $100.

The additional offers include no monthly fee, free check writing, free use of non-Citibank ATMs, as well as free access to the 26,000 Citibank ATMs. Along with it a Citibank Debit MasterCard is on the offering with all the above for making purchases, getting cashes and earning rewards. This doesn’t seem to be enough. If you make an initial deposit of $300, then you can get a $500 Checking Plus line of credit. So this ensures an overdraft protection. Rewards are galore on the offing. Having a Citibank Student account entitles you to receive Thank You Points every month with linked qualifying products or services. Citibank group boasts of Award winning online banking services, free online bill payments, paperless bank statements, online check images, extensive transfer services, and alerts via email or wireless, connection worldwide through ATM networks spread out all over the world.

Also they are ready to help you 24/7 with their customer support program that they have. You don’t have to think regarding the safety of your hard earned money. They have Citi Identity Theft Solutions and online fraud protections for solving your tensions regarding the safe keeping of your money. You can easily visit their e-mail fraud and security area to know more about their ways of protecting your money. Talking about banks and not mentioning Bank of America, is simply not possible. This bank assures the student that they can conveniently save for the future, while they earn their degree. This is an option for the students with limited funds who want to open a student savings account.

Requirements for opening an account are same as that of Citi bank with an opening deposit of $100. It is FDIC insured with an option to receive a monthly statement if you use an ATM and have transfers such as direct deposits or have a combined statement. On the flexibility side of your account, if you need then you can set up an automatic savings transfer from your checking account on a monthly basis. Other features are same as that of Citi bank with an easy account access through online banking and access to more than 18000 Bank of America ATMs nationwide and 5,800 banking centers coast to coast. For the student savings account section there are no monthly fee when you keep as less as $300 in your account each day, if that is not possible then a monthly maintenance fee of $3 is applied. Also there are no fees for first three withdrawals per month after which $3 per withdrawal if minimum balance falls below $2500.

Another bank that remained popular among the students for the year 2009 is the US Bank. They have Campus card, which enables student a smarter way to access their funds on or off campus. It has a very good option to combine your student ID with a free U.S. Bank Student Checking account, use it at any ATM or make PIN debit purchases with the amount being automatically deducted from your checking account. Thus it gives you a wide access to your account on or off campus. Opening an account in this case is also simple. First one has to make sure if his school is a campus card partner. Applying for a free U.S. Bank Student Checking account comes next. A visit next to U.S. Bank branch to link your student ID to your checking account completes all the formalities for using the Student ID at any ATM or to make PIN based purchases.

Now why should one apply for this U.S. Bank account? It is for the fact that there are no minimum balance or monthly maintenance fees, free internet banking, bill pay and online statements, four free non-U.S. Bank ATM transactions per month. Also there are unlimited free transactions per month at their bilingual ATMs. Other banks too made similar exciting offers, but these 3 ruled above all. All the above are the general plans available for the Student Bank Accounts 2009 for the respective banks. However, before opening an account one should always check each and every points and should read the terms and conditions carefully.