Each month, the bank sends you its record of the checks you wrote and the deposits you made in the past month. When you get the bank statement, check to make sure that the bank has recorded the same amounts for checks and deposits that you have recorded. Do not be alarmed if the balance on the bank statement does not match the current balance you have recorded in your checkbook. These outstanding checks are not recorded on the bank statement. It is recommended that you keep your monthly bank statements for at least three years.
Some banks offer special services for students.
Be sure to ask if your bank does. If your balance drops below the minimum balance, the bank will charge you a fee. In addition you may face other charges or fines for breaking the law. These machines, which are often found in bank lobbies or parking lots, in grocery and convenience stores, and in shopping malls, usually operate 24 hours a day. Once you have the card, simply insert it into the machine as instructed, type in your personal pass code, and then follow the instructions on the machine.