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Preferred bank for LSU student?

Posted on 4/2/26 at 7:52 am
Posted by Buck Dancer
New Orleans
Member since Jan 2008
4854 posts
Posted on 4/2/26 at 7:52 am
My daughter is going to LSU in the fall of 2026 and we need to open up a checking account for her.

I use Metairie Bank for most of my banking.

Main use of this new account would be to deposit 529 money into, for us to put spending money in from time to time and for her to use for other daily things.

She has a Chase credit card tied to our family account that she will have access to.

Question is - is there a bank that would be better suited for this than if i were to open up a Metairie Bank account? I'm reading Campus Federal and Hancock Whitney, but does it really matter in these days what bank the debit/checking account is tied to?
Posted by Upperdecker
St. George, LA
Member since Nov 2014
33225 posts
Posted on 4/2/26 at 8:26 am to
Prioritize low or no fees, accessibility, and being able to use ATMs everywhere

Some of the online banks will cover all ATM fees

You should also consider having her get her own credit card to start building credit rather than just having her use yours
Posted by Thebuzz
Member since Sep 2021
136 posts
Posted on 4/2/26 at 8:44 am to
If there is an occasional need for branch access, JPM Chase is much more convenient than others. They just opened a new branch near Burbank and Lee Drive.

Most banks gave ATM’s in the Union.
Posted by Buck Dancer
New Orleans
Member since Jan 2008
4854 posts
Posted on 4/2/26 at 9:00 am to
I added her as an authorized CC user when she was born and she has a card in her name. I did this on recommendation at the time to start building credit.

You are saying to get a totally separate CC for her?
Posted by JackaReaux
BR
Member since Feb 2017
998 posts
Posted on 4/2/26 at 9:29 am to
See what is in the Union. I think Campus Federal had a branch there around 2013.
Posted by tigergal918
Member since Feb 2022
453 posts
Posted on 4/2/26 at 10:00 am to
We have used Hancock Whitney since I was in high school and thru LSU (early 90s) Still use them now and our daughter is in Alabama and is using them as well. Never had a single issue.
Posted by Upperdecker
St. George, LA
Member since Nov 2014
33225 posts
Posted on 4/2/26 at 11:06 am to
quote:

I added her as an authorized CC user when she was born and she has a card in her name. I did this on recommendation at the time to start building credit.

Gotcha yea that works for that purpose. She’ll need her own card at some point though.

quote:

You are saying to get a totally separate CC for her?

You should probably challenge her to do it on her own rather than doing it for her. Same for the bank account
Posted by Upperdecker
St. George, LA
Member since Nov 2014
33225 posts
Posted on 4/2/26 at 11:07 am to
quote:

Most banks gave ATM’s in the Union.

I’m assuming OP’s daughter will go more places than just the union
Posted by TheWalrus
Land of the Hogs
Member since Dec 2012
46930 posts
Posted on 4/2/26 at 12:38 pm to
I used Campus Federal when I was a student because they had a union location and I wasn’t very mobile to get to places off campus. Seemed fine
Posted by LemmyLives
Texas
Member since Mar 2019
15354 posts
Posted on 4/2/26 at 1:20 pm to
quote:

If there is an occasional need for branch access,

She isn't old enough to be growing hair out of her ears, and she probably doesn't have a vending machine business on the side, so there isn't.

OP why not just keep/open her an account at Metairie bank? The debit card they issue, with a MC logo, surprising as it may be, can even be used overseas, not just in da parish. And then you can go and argue in person about "unauthorized charges" at the Bulldog.
Posted by KamaCausey_LSU
Member since Apr 2013
17567 posts
Posted on 4/2/26 at 2:49 pm to
quote:

Campus Federal had a branch there around 2013.

Campus Federal is also a credit union co-op member so a member of any other co-op credit union can use them for basic banking.
Posted by Tarps99
Lafourche Parish
Member since Apr 2017
12418 posts
Posted on 4/3/26 at 8:38 am to
quote:

The debit card they issue, with a MC logo, surprising as it may be, can even be used overseas, not just in da parish.


With foreign transactions, most do incur a fee at most banks. Capital One had a great advantage when their debit cards were branded as Mastercards with no foreign transaction fees, but now you are lucky it will work overseas now they transitioned their debit cards to discover. I guess there is a reason why it is called a discover card, you get to discover places that actually accept. While in the US, it is something like 98% acceptance rate by merchants, but overseas it can be a real pain in the arse even though it can be processed as both a Discover Card or a Diner’s Club card.
This post was edited on 4/3/26 at 8:39 am
Posted by 756
Member since Sep 2004
15883 posts
Posted on 4/3/26 at 2:09 pm to
Campus fed credit union
Posted by lsuoilengr
Member since Aug 2008
5415 posts
Posted on 4/4/26 at 11:12 pm to
I still ave my CFCU account from 2004. Its all Ive ever used
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