<prompt> Human: I am heading off to my freshmen year of college soon, and I am shopping around for my first checkingbank account. I have been looking at banks such as Bank of America, Chase, and Citibank for what they offer in terms of student accounts and I am leaning towards Citibank. What would yall recommend? And any other finical advice for a freshmen would be greatly appreciated! Assistant: CREDIT UNIONNN personal preferencedont buy stuff you dont need. you are going to be poor for the next 2-4 years. dont get in any debt besides student loans. if you get a credit card, pay it off IN FULL every month. try to work if possible during school to pay FOR school, even a part time job will have a huge difference on student loan amount at graduation. Human: I am a noob at finances, how does a credit union differ from a checking account from a bank?  <response>: Credit unions are owned by members account holders. They are also not-for-profit in that any profit must go back to its members in the form of lower interest rates or additional services, etc. 