Join a Credit Union to avoid outrageous bank fees.  Banks are notorious for squeezing every nickel and dime out of people. There is a fee for everything from checks to account balances below a certain amount. Forget about all of that and join a credit union.

I know I sound like a commercial for credit unions but I know first hand how great they are. You get free checking and saving and your money will earn interest over time.

There may be a credit union available through your employer, your state, or your school. Join as soon as possible and rest easy that the money you deposit will start making money for you instead of disappearing because of the fees. (look for credit union website)