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Double-check features before opening! (e.g., Chase is broad and the "safest bank" because has investments backup, but has one of the worse APY offer to clients... what matters most if considering FDIC insurance?)
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BankCard BrandNameSSN needed to open?Can you apply?Federally insured?5-years
Stocks Value		BBB
rating & accreditation, complaints & reviews		All time Consumer Complaint DatabaseConsumer Affairs rating?Nerdwallet Costumer Experience RaitingCostumer service accessOther languages spoken? Where?Verification lettersMin. balanceAccount feesATM feesAnnual Percentage Yield (APY)Compounded (pay) periodWire Transfers feesOnline Transactions feesInternational transactions feeClosure fee?Welcome bonusReferral bonusOther interesting perksCan you sleep at night with this account?Comments/Other fees
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ChaseVisaChase Total CheckingYesYesIncreasingA+, No
1622, 1.09/5		1041033.4/ 54/5Phone, Online & BranchesYes, but in standard format showing "year average" and "current balance"$12 unless: electronic deposits totaling $500; OR more, a balance at the beginning
of each day of $1,500 or more; OR an average beginning day balance of $5,000 or more in any combination of this account and linked qualifying Chase checking, savings and other balances.		$0 at 15,000+ ATMs and more than 4,700 branches; otherwise 3% of the dollar amount of the transaction OR $5, whichever is greater0%N/ADomestic (Incoming): $15
Domestic (Outgoing): $25-$35
International (Incoming): $15
International (Outgoing): $0-$50		$0 if via Zelle3%$0$300 if setting direct deposit* Chase Overdraft AssistSM, we won't charge an Overdraft Fee if you're overdrawn by $50 or less at the end of the business day OR if you're overdrawn by more than $50 and you bring your account balance to overdrawn by $50 or less at the end of the next business day
* Zero Liability Protection - Get reimbursed for unauthorized debit card transactions when reported promptly		* Included in safest banks rakings (USA)
* Autosave makes saving easy with automatic transfers to a Chase savings account
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Bank of America
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CitibankBanking Package* Must be Citizen or Resident Allien to apply online. NOTE: students become Resident Allien 5 years after overall beggining.$12 unless: enhanced direct deposit and one qualifying bill payment per statement period or maintain a $1,500+ combined average monthly balance in eligible linked accounts
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Oregon State Credit UnionVisaFree CheckingNoYesN/AA+, No
4, 1/5		0N/APhone, Online & BranchesSpanish in some branches
$0$0$0 in OSCU ATM
$1.50+ other ATMs		0%N/AUS outgoing: $30
(except within account)
International: $35.00
+ third party fees
Incoming wire: $15.00		$0Membership closure fee (if closed within 120 days): $10.00* It has notary service ($5 per document)
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CapitalOne* Must be Citizen or Resident Allien to apply online. NOTE: students become Resident Allien 5 years after overall beggining.
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SoFiMastercardSoFi Checking and Savings YesYesDecreasingA+, No
625, 1.28/5		1222.6/54.5/5Chat if type "agent" & Phone No officesNo, but "should" be able to help$0$0$0 in 55,000+ Allpoint ATMs worldwide unless third-party fees1.20%MonthlyUS outgoing domestic: up to $35
International transfers: $35-$50		$0$0$50or$250 if setting direct deposit$25* $0 in international transactions
* Cash back at participating local businesses if doing transaction as credit (no PIN)
* You can make cash deposits through Green Dot at participating retailers using your SoFi Money Mastercard debit card.
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