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M&T College Checking is a really great starters account. I have no monthly fees (unlike a lot of my friends who are at bank of America) and I can view my account (as well as other M&T accounts very easily online. I also got a charged twice on my debit card accidentally while out at a restaurant and the erroneous charge was easily removed. I did, however, get slammed with an over draft fee even though I had overdraft protection on my account. So I am not certain as to why my card didn't decline when I had used it, but I still paid the fee. Perhaps I should have debated it.
I currently have a college checking account with M&T which I have found to be a reasonable service overall. I hold the account free of monthly charges and have no minimum balance requirements. It has been fairly easy to maintain, overall. However, I did have a major issue when I was under 18 in trying to get an account. I was told several different things about the company policy depending on which employee I talked to on a given day. Initially, I was told that I may have a checking account (even if I am under 18), but I must have a student ID and have a parent sign a waiver form. I went through the effort of obtaining the ID, and then was told that I cannot have a checking account, only a savings account and also that a student ID was not enough if I wanted ATM access, and in addition I needed a government ID. After getting the government ID, I was able to get a savings account but was told that I was unable to have my own ATM access but I could get a joint checking account with an adult. So it was extremely frustrating to be told several different things. But ever since I have had my accounts with them, I have had no issues.
I like the 0% intro rate, but you have to already have good credit to have the card. Also the late fees are quite high.
I really like the 0% introductory rate; however, I don't like that Apple does not offer any rewards. Many other store cards, like Banana Republic, will give you rewards dollars to spend towards their product. Since I am an avid apple user, I would have a much bigger incentive to use their card if this were the case. The APR is also high after the introductory rate, although this is similar to BP credit card as well. I do, however, really like the sleek white look to the card itself.
The Banana Republic Store Card is an excellent way for a young person, such as myself, to start building credit. I have pretty high credit limit, which can be handy at times. I also enjoy the BP rewards since it is one of my favorite stores. Interest is a bit high, however. (Plus the card is sleek and black which looks cool.)