In this Saturday, Jan. 5, 2013 file photo, a person inserts a debit card into an ATM in Pittsburgh. Your college bank account should have the right set of features for you and minimal fees. But banks that partner with universities can offer costly accounts, so be on the lookout for those. Consider what type of banking institution you prefer, whether that’s a big national bank, credit union or other types. (AP Photo/Gene J. Puskar, File)