Bank of America (BOA) Bank account Debit Card Debit and credit CARDS

Go to bank of America today BOA opened the door, got the effective 30 days temporary Debit Card (Debit Card) and 3 temporary cheque, real Debit Card will by mail after a week or so to when opening an account to fill in a fixed address.
Because the schools have BOA ATM, so I think with a BOA as the main studying in USC account is a good choice.
Introduced before USC Credit Union card (portal), but I think this card is for international students only advantage is 3 times a year, remittances, from but the fees.So I can write a USC Credit Union to payment, and then a little bit out to BOA
As for the introduction of China before an ancient name for China huaxia bank card (portal), just in case one thousand.This card is in some other states first cash every day is free of charge, but California need $3 per pen.So this card just for one thousand need cash, and with no dollars when used.You can let your family in huaxia card deposit RMB, and then you find a ATM can remove dollars here.
American bank no Banks, no different.Regardless of where the BOA account, can be any in the country a BOA ATM operation without having to pay any other costs.
Bank accounts in the United States there are mainly two: Saving Account and a Checking Account, the money in two accounts can be arbitrarily transformation without fee, simply said the difference

Saving Account: mainly used to save money, have the interest, but basic ignore us interest rates.This account can't cash, also can't take, so relatively safe.
Checking Account: mainly used to spend, money inside there's no interest.Cash consumption is the account, but it is not recommended to put too much money, because may consume to balance below the minimum balance requirement, management fee cancellation as explained below.
Account opening process is very simple, take passport and fill in some information such as fixed address, phone number, etc., to tell him how much you want to deposit money, is ok

 The management fee need to say it.Checking Account monthly management fee is $12, if you ensure the Checking Account with more than $1500, the fee can be eliminated.Because spending cash is usually consumed Checking Account, so the Account balance, please pay more attention to yourself.

 Saving Account management fee is $5 a month, if you ensure Saving Account there is more than $300, the cost can also be exempted.

 + 300 a total of $1500 and $300 so we need to ensure that two accounts are no management fee, please pay attention to yourself.Is doing this in cash to bring to me.
July 25 received formal Debit Card, looks the same
After the two days in an effort to fool the days under the condition of Credit Card is approved, BOA Cash Rewards, limit is $2000.All consumption 1% cashback, supermarket consumption 2% return, go back to 3%, good card.This is my first American credit CARDS, even if later have better card, this is never pin card, as a memento.BOA credit CARDS usually require SSN can apply for.