Choosing the best debit card for college students: What should I consider?

I'm going to be heading off to college soon, and I'm trying to figure out my finances. I think getting a debit card is a smart move, but I'm not entirely sure what to look for when choosing one. Are there specific features or perks that are better for college students? Do any banks offer special deals or benefits for students? I'd really appreciate any suggestions or personal experiences you might have to help me make an informed decision.

This is a great question as managing finances is a key activity in college. While choosing a debit card, look at a few important features.

1. No Fees: Some banks charge monthly or annual fees for their services. As a student, look for a bank that doesn't burden you with these additional costs.

2. Wide ATM Network: Make sure your bank has a lot of ATMs near your college campus so you won't be charged fees when needing to withdraw cash.

3. Online Access: In this digital age, having robust online banking services is crucial. You should ideally be able to handle most of your banking needs (checking your balance, transferring money, depositing checks, etc.) online or through a smartphone app.

4. Overdraft Protection: You might occasionally find that you've spent more money than what's available in your account. Some banks offer overdraft protection — either by linking your savings account to cover the cost, or through a line of credit. But you'll probably want to avoid this if the bank charges an overdraft fee

5. Good Customer Service: If something goes wrong, you want to ensure the bank will be responsive and helpful in troubleshooting the issue.

6. Student-specific Features: Some banks offer special accounts tailored to students, with benefits such as fee waivers, free checks, and savings programs.

Finally, remember that while I've focused on debit cards here, using a credit card responsibly can be a good way to start building your credit history. Just beware of high-interest rates, late fees, and the temptation to spend more money than you have. Good luck with your search!