<prompt> Human: Im currently 18yo and going to college on financial aid and wish to continue so. Im working this summer for a company as an intern and I want to set up a bank account for direct deposit. What should I look for in a bank as a young adult with virtually no debt and a decent income for my age? Banks in my town are but not all PNC TD Valley National Wells Fargo Spencer SavingsAll and any advice welcomed.EDITThank you all for the wonderful, helpful, and thought provoking information. I went with a credit union in my town, opened a savings and checking account. They are very accessible and have ATMs in many convenient stores. Plus online banking and mobile app.Again, thank you for the help, everyone!Assistant: Look for a credit union! Banks are profit driven. A credit union will almost always have lower or no fees and better rates. Human: Do credit unions offer credit cards as well? I want to get a credit card in the future and wouldnt want to open a new account with a new company.  <response>: You can use any checking account to pay any credit card, there are only a couple of banks that offer an incentive to have both a checking account and credit card account with them. I would recommend choosing what the best bank and credit card accounts are for you separately. 