You will need an umbrella and a raincoat. Banking in Hammond Living and studying in the USA is often more expensive than students think. You should have sufficient funds to cover tuition and living expenses for at least one year. There are few remedies for financial difficulties. Never keep large amounts of cash on you.
Credit cards are good to have, especially in case of an emergency.
Plan on opening a bank account. There are several banks in the Hammond area. LA Capital offers an office within walking distance of the school. There are also a number of banks in downtown Hammond. It is possible for you to open both checking and savings accounts at any of the banks in town.