<prompt> Human: I set up a bank account with the help of my mom at Wells Fargo when I was 16 and got my first job.My debit card is due to expire in august and instead of getting a new one Im thinking of changing banks. As the title says Im in college, third year now and have very little savings. I also need a credit card to start building credit and am asking what you know about banking for students or the best bank for students. I know little and my mom has passed and Im not sure who to ask so Ive come here.I know most have student accounts but is there one thats ideal? If so is there a trade off?  <response>: I would highly recommend a Federal Credit Union for banking. As you build a relationship with them i.e. Have an account open and active with them over time you will gain access to some of the best interest rates around for loans. This means a vehicle loan or mortgage would cost less over a major bank like BoA, Wells Fargo, etc.Some FCUs also have credit card offers, but if you have no credit history yet it may not be available to you initially. I would recommend applying for a Discover It student credit card as the benefits are excellent for a first CC. Your approved limit how much total you are allowed to spend using the card at any given time may be low and your interest rate high initially if no credit history exists, but that is perfectly fine as long as it is used responsibly. Always remember to pay your card in full every statement period to avoid paying any interest. You do not have to carry a balance to build credit; this is a terribly myth. Make sure you choose a credit card that you would actually want to keep omg term. The age of your credit accounts has a large impact on your credit worthiness credit score, and if you get another credit card later down the road and decide to drop your first account, your score could be negatively impacted because you just got rid of your oldest account. I would highly recommend paying a visit over to rchurning to apply via a referral link for extra added benefits for your first CC such as signup bonuses. Feel free to look at other stuff in the sub, too, though it may be a little more advanced for someone just entering the CC world. Just remember to always keep track of your spending, and never treat it like extra money that your have. Use it like you are actually spending that money out of your own pocket or only for emergencies. Also, speaking of emergencies, I highly recommend putting any money that you can as an emergency fundAlso, when it comes to a checking and savings account at any bank, you should always weigh the availability you have if you need to make a deposit, withdrawal, or need to contact customer service. This is why I recommend a FCU because they usually participate in an ATM wide range network, and some even reimburse you for out of network ATM use. They also have more personal customer service in my experience, but your mileage may very depending on what FCU is in your area.On a final note, as a student you should NEVER in my opinion pay to play when it comes to having a checking or savings account. These fee-accounts are expected for higher-earners and such, but if you are offered a less than convenient account at a branch that has an arbitrary maintenance fee I would just steer clear. 