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I think as a high school student, a national bank would be the smartest choice just because most teenagers don’t have to deal with any sort of financing. A national bank can provide you with a checking and savings account which is all one would need at this age in my opinion. After graduating college, the best type of bank to use would be a credit union if one did not stay with their national bank (because that would be good too). Credit unions allow you to set up money market and CD accounts on top of your checking and savings (and an IRA account further down the road). These sorts of accounts require a lot of responsibility because you have to keep up with paying monthly rates and fees, which would be good experience for a new adult. Personally, I’m probably going to continue to use my national bank even after college to pay off my loans and keep a stable bank account.

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Suggested that a sum of 10% of annual income should be contributed to one’s IRA, starting in their 20’s

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No minimum balance requirement

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Traditional IRA- available to anyone under 70½ who receives compensation or files a joint return with someone who receives compensation.

Roth IRA- Contributions are not tax-deductible. However, one is able to withdraw contributions tax-free at any time.

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Penalty applies for early withdrawal

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6 months- earliest

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$500-$49,999.99- 0.55%

$50,000- $125,000+- 0.56%

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Are there minimum balances required to open a CD? If so, how much?

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Are there minimum balances required to open a CD? If so, how much?

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Yes, $500.00

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How often does the interest on the account compound?

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How often does the interest on the account compound?

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monthly

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Are there limits on monthly withdrawals? If so, how many can you have?

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Are there limits on monthly withdrawals? If so, how many can you have?

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Yes, 6

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$2,500–$9,999.99- 0.30%$10,000–$24,999.99- 0.30%$25,000–$49,999.99- 0.33%$50,000–$99,999.99- 0.35%$100,000–$249,999.99- 0.37%$250,000–$499,999.99- 0.45%$500,000–$999,999.99- 0.48%$1,000,000–and over- 0.48%

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What is the minimum balance requirements?

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What is the minimum balance requirements?

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$2,500 to receive dividend

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What are the fees for maintaining this account?

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What are the fees for maintaining this account?

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$5 per withdrawal exceeding the 6th one

$5 inactive account fee

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How many transactions can you have per month?

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How many transactions can you have per month?

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Each account is permitted 6 transactions per month

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Is there a minimum balance to maintain? If so, how much?

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Is there a minimum balance to maintain? If so, how much?

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$5, only once

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$5.01-$49,999.99- 0.10%

$50,000-$99,999.99- 0.13%

$100,000+- 0.18%

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What types of savings accounts are available?

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What types of savings accounts are available?

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Regular savings, Holiday savings, Health savings, Club accounts, and Coindexter club

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Yes- there are about 20. Some examples would be:Debit card replacement fee- $5.00IRA transfer fee- $25.00Levy fee- $50.00Garnishment fee- up to $100.00Dormant account fee- $5.00/monthStop payment fee- $30.00/request

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Does this account pay interest? If so, what is the current rate?

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Does this account pay interest? If so, what is the current rate?

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no

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How many withdrawals can I make each month?

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How many withdrawals can I make each month?

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6 free withdrawals

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How many checks can I write before extra fees are charged?

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How many checks can I write before extra fees are charged?

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0.50 cents per cleared check

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What are the overdraft protection options?

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What are the overdraft protection options?

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without obligation, they will pay items for which your account has insufficient or unavailable funds, instead of automatically returning those items unpaid

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$33 per check

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How much money do I have to maintain in my account to avoid fees?

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How much money do I have to maintain in my account to avoid fees?

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None, it’s free

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What is the minimum amount of money required to open the account?

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What is the minimum amount of money required to open the account?

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no minimum balance requirement

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After accumulating points, one can redeem them on gift cards, cash back, airline tickets, or merchandise

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Are mobile banking and online bill pay offered?

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Are mobile banking and online bill pay offered?

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yes

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If I am choosing a credit union, am I eligible? What are their requirements?

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If I am choosing a credit union, am I eligible? What are their requirements?

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Be a county resident, getting ahead association, georgia state university partnership, family member, premier partner employee/ retiree

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Will I be charged to use the ATM at another bank? If so, what is the charge?

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Will I be charged to use the ATM at another bank? If so, what is the charge?

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No, access to more than 85,000 surcharge-free ATMs.

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Does it have ATMs? If so, are they located near where you live, work, or shop? 

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Does it have ATMs? If so, are they located near where you live, work, or shop? 

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Yes, there is one located in Buford which is right near where I live

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9am-4pm

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By the mall of Georgia, close

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One can bank, borrow money, and invest through this credit union.