Both banks suggest that if you are only going to have enough money for one quarter at a time, you should only have a checking account. If more money is involved, then a combination of both checking and savings should be used. You may start writing checks right away if you have sufficient funds in your account to cover it. This happens if a check is written and there are not sufficient funds to cover that check. If you have a combination account at either bank, funds will be automatically transferred from savings to checking.
Statements come out once a month.
A check of any size can be cashed at your bank. There are Instant Banker machines on the first floor of the Student Center. No Saturday banking. No Saturday banking.