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Janice Said:What exactly do I need for a free checking account?
We Answered:Most banks that offer student accounts expect you won't have a job. Even for 'regular' accounts, they are more interested in your having money than they are in where it comes from. You will need to prove your ID, but beyond that, there are not standard requirements.
Guy Said:Help with my Wachovia Free Student Checking?
We Answered:Most banks just leave it there until there's something to tip them off..if they don't ask..don't tell.
Also there might be default date in there system...whereby after 4-5 years it will change you over automatically because they assume you should be finished school by then.
Ruth Said:What would be the best checking account between both of these banks, for a 18 year old college student?
We Answered:First, don't sweat not getting interest on your deposit. Banks aren't paying enough to make it worthwhile. Second,don't sweat the minimum opening balance, You want to put money in the account and if all you can spare is $50.00 you are wasting your time. The minimum is only for opening an account anyway. Third, Online access can be very convenient. Fourth, free savings account might be ok but, check the interest rate the bank is paying; it may not be worth it. I discovered a convenient way to save, though no interest, by simply rounding the amount of your check to the next dollar when you deduct it from the total. You can save anywhere from 0.01 to 0.99 cents per check. It's a hidden account that will be there if your"on paper" balance gets low. If you have to go into the hidden account, ALWAYS replace what you use first thing out of a new deposit! Looks like neither bank charges a monthly fee. An ATM card can be a life saver. Debit card is OK if you don't like carrying around a check book. I carry a check book and a wallet. If I loose one, I still have the other. Loose your wallet with your debit card in it and you may be SOL.
I, too, would go with Citizens.
Emma Said:need help with filing taxes?
We Answered:My situation was similar to yours when I moved from NY to NC in 2006 & had to file taxes last year. Here's what I did:
I reviewed the various FREE on-line tax return software offered on the IRS site to determine which one fit my needs. (I'm a lot older than you & had been downsized, so I needed a lot of extra 1099 forms to be filed & some of the software only let you file 3 of those forms.)
Here's the deal with almost ALL of those FREE offers - they do your Federal for free, then charge anywhere from $7.95 to over $25 to file your state return. They ONLY let you file 1 state return. (In my case, I had to file BOTH in NY & NC.) Since the NC system was not on-line yet + to me, the NY tax forms are more involved - especially since I was filing the special form for part-time residence, I used the FREE offer to do my Federal & NY returns, then went to the NC state website to print out the forms I needed to use to file here.
The software steps you through everything & you can save it & come back to it several times if you don't have all your paperwork right there the first time you use it. It automatically generates the appropriate state forms after you answer some more questions, then steps you through those forms, too. It costs less than buying a full package like Turbo Tax.
OH WHAT FUN I HAD !! ( yeah - right!! )
Anyway, I ended up using "Tax Act". One of the other software programs may fit your needs better. But, definitely, use whatever is offered off the IRS website & save yourself some money.
Shawn Said:How does a 19 year old college student establish credit?
We Answered:The new federal laws passed in February of 2010 is what is making it impossible for anyone under 21 to get a card.
Not your credit.
Contact your schools financial aid office if you need more financial assistance.
Contact the YMCA/YWCA for free food.
They give out free sandwiches from the daycare facility if you ask (at least mine does)
You can also try the Salvation Army or United Way.
Herman Said:Anyone know a Chase Coupon code for $100 when you open a new checking account?
We Answered:You can visit this site for Chase Coupon Codes.
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Ah for me, I always use accounting software from other website (free of course) because it really can help me in accounting subject in my campus. My prof is allowed us to use it, so why not?
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Here's the deal with almost ALL of those FREE offers - they do your Federal for free, then charge anywhere from $7.95 to over $25 to file your state return.
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