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How Can I Help My Student Avoid Bank Fees?

Even the best-intentioned young adults can make financial mistakes, like overdrawing an account and incurring unwanted fees. You can help your student keep these situations to a minimum by discussing the following.

Always know how much money is in the account.

Advise your student to check their account balances, deposits and payments regularly using online, mobile or text banking. All provide real-time balance information. And since all typically use the same log-in ID and password, it’s easy to check in whenever it’s convenient.

Never, ever spend more than you have.

Tell your student to make sure there’s enough money in a checking account before using a debit card, writing a check or paying a bill, because if there isn’t, overdraft fees are sure to follow.


Likewise, be sure to explain the difference between total balance and available balance. The total balance includes available funds plus funds that have recently been deposited in the account that haven’t cleared or debit card transactions that haven’t been finalized. The available balance is the amount of money for immediate use.

Know the difference between network and non-network ATMs.

Make it clear that fees are typically charged when using ATMs that are out of network. There are no fees for U.S. Bank checking customers to withdraw money from a U.S. Bank ATM. In addition, the U.S. Bank Student Checking account allows no U.S. Bank fee on the first four non-U.S. Bank ATM withdrawals per statement period.1

  1. Surcharge fee will be applied by non-U.S. Bank ATM owners unless they’re participating in the MoneyPass® network.

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