<prompt> Human: Im a college student with a small, menial job at the university library. I want to open a bank with preferably ally, Simple Bank, or Charles Schwab. I have some student loans, about 4,000 and no credit at all, but I dont really want a credit card as of now.This is a big step for me, what do you think? I want them to deposit my paycheck, and switch over from HigerOne, which is riddled with fees the default that the my Uni gave meEDIT: Id also like to add that Im gravitating towards online banks for their ATM fee reimbursement, the relatively high APY, and the ease of having it all in my smartphone. Might also pick up a Paypal account as well  <response>: Yes. A checking account comes with checks and a debit card. 