<prompt> Human: I am looking to create a savings and checking account and intend on using direct deposit... Just got hired as a cashier at Walmart and would like to open account before my orientation on Monday... my parents arent very informational or supportive of helping me figure this stuff out so Im kinda on my own here. What bank do you guys recommend I go through? I originally was interested in USAA but my grandpas naval service doesnt apply to me. Lemme know what you think  <response>: I would begin by starting looking at local credit unions. Credit unions are infamous for their no-fee checking accounts which I found very useful when I was 18 and not able to hit the minimum deposits that the big guys Wells Fargo, Chase, PNC, etc typically require to waive monthly fees. Most credit unions are part of co-op or allpoint ATM networks meaning you can use most other credit unions ATMs and branches fee-free too. I found this useful while in college - my parents were able to deposit checks for me at home at my Credit Union, and I could go to a different credit union in my college town to withdraw that cash from the teller. But with direct deposit, I havent found myself needing to use anything other than the online portal.If for some reason you arent interested in a credit union, I would go with an online bank, for similar reasons as listed above limited fees, ATM networks, etc. Discover checking looks very good. First Internet Bank, Capital One, Ally, etc. all look solid too. But in most cases I would still recommend a credit union. 