Bank Account

All banks are good for as long as their 'great offer(s)' lasts. Offers like 'Totally Free Student Checking' and such. But that's in terms of getting something like a checking account.

If you're looking for a savings account, you really need to do some footwork and check each bank's rates out. It's not the same in each town & city. Bank of America (previously known as Fleet) could have a 0.05% interest rate in Mousenation, Whatever State. But the same bank could have a 2.5% interest rate in Ratnation, Some-other State. (Made up names, yes.)

And some banks will allow you to combine your savings account with your checking account. So you can make online transfers easily and manage both accounts simultaneously. However, that kinda kills the point of a savings account unless your savings account is kept at a certain balance every month-year.

For checking accounts, you'll want a bank that'll charge you $0.00 ATM service fees. So, say you use a ATM that does not belong to your bank. Well, even if you withdrawl money from this ATM, your bank will make sure you aren't held responsible for that service charge. Also, look into low maintenance fees, or no maintenance fees. Your checking account will probably never always stay above a certain balance, and that balance being the required balance to prevent a maintenance fee charge. And if you're worried about falling below the required balance, look for a bank that'll have a low required balance. Like say, you need to have $100 or more in your account to avoid being charged a maintenance fee. If there's a bank with a $75 or lower, those would be much more economical. However, keep in mind low requirements usually are part of a 'Welcome to our bank!' deal. So, it's likely to expire and revert back to it's normal requirement.

Jam it back in, in the dark.