<prompt> Human: I am a college student who has been living off of my parents since last year. I just recently decided that I dont want to have a joint account with them. Can anyone tell me how to open up a bank account and which bank would be good to start off in? Should I be getting a credit or debit card? What am I supposed to tell the banker to not sound completely clueless? If it makes any difference I am employed and I have a payment waiting to be deposited.  <response>: Can anyone tell me how to open up a bank account and which bank would be good to start off in? Walk down to whatever bank has an ATM on campus and ask to speak to someone about opening an account. If its a checking account itll likely include a debit card. 