Mike,
I suggest you visit several banks and credit unions. You need to look at the totality of the bank’s services, accounts, and fees. Every bank offers several accounts with different features and different fees. Some banks may have low overdraft fees, but high fees in other areas. Some accounts waive all fees if you maintain a minimum balance. Other accounts have a monthly fee, but no fee on each transaction. Other accounts have no monthly fee, but a fee for each transaction.
Some banks have a large number of ATMs which you can use without a charge. Other banks have a charge for ATMs.
Find out the features and charges of each of their accounts. Find out how many ATMs are available, and whether there is a service charge for using the ATM.
Make sure you get everything in writing. Do not accept anything the customer service person tells you verbally.
Go into any bank and tell them you'd like to open an account with them. Most student accounts are free and some banks offer incentives for opening accounts with them like giving you additional cash for having your paycheck electronically deposited into your checking account. Keep in mind the convenience of the bank's location and how many ATM machines are available as cash withdrawals from ATM machines that are not in your bank's network will cost you a fee every time you use them. Talk to your parents too and find out where they bank - that's a good place to start. All you'll need to open an account is a photo ID, money to open the account and your social security number.
If your under 18 you can still open a bank account, you just have to have a parent or legal guardian with you, and you will both need proof of id. Depending on the bank you choose a minimum deposit may also be required. You can always call the bank ahead of time to see if anything else is needed.
If yall have Wachovia over there, you can have your parents take you to the closest one. Have your parents set up a student account for you because its free. All you have to do is give the bank 50 dollars. The 50 dollars is still yours. It will be on the card for your usage only, but you must pay that for it to open
Do you have a walmart? If so go there they have the lowest overdraft fees $16.00 others are 25.00-35.00) and are very niceand helpfull it's called FSNB (Fort Seal National Bank) or you need to go get a pamplet or get someone to tell you about there bank go to several see what you like better
