Anglophiles rejoice! The Citizens Bank is a subsidiary of the the Royal Bank of Scotland. Checking accounts: The Green Checking plan has no min. balance (apart from a $25 opening deposit), 150 free personal checks, and no monthly fee if you're a student or are signed up for direct deposit or debit. ATM Convenience: Free ATM card and unlimited ATM transactions with all accounts. 8 ATMs in Harvard Square and the only machine in the T station; over 2700 other locations throughout the Northeast. $2.50 fee for overseas transactions. Savings accounts: Earn interest with a $10 min. balance. A min. balance of $2500 gets you higher interest rates and perks like free travelers' checks. Extras: Free online and phone banking for all accounts, next day availability on checks, overdraw protection ($24 fee), and financial consultation. This section contains information from Harvard Student Agencies' Unofficial Guide to Life at Harvard.

Checking accounts: Basic checking: $10 min. balance, $3/mo fee includes 8 transactions. Personal checking with unlimited checks free with a $500 min. balance; $6/mo fee if under the minimum. Interest checking account: free with a $1000 min. balance; $6/mo fee and 35¢ per-transaction fee. Both the personal and interest accounts include unlimited checking and a check card. ATMs: Free ATM card and unlimited ATM transactions with most accounts (Interest Checking requires approval); member of SUM (no-charge ATM transactions at more than 2800 locations). Savings accounts: Earn interest with a $10 min. balance; $2/mo fee waived with $250 min. balance. Extras: Travelers checks, ATM, 4 area locations, free online and phone banking. This section contains information from Harvard Student Agencies' Unofficial Guide to Life at Harvard.

Checking Accounts: Student Checking for Harvard students with service available in 24 languages: Until 1 year after graduation, no interest, no fee, no minimum, unlimited checks, free online banking and debit/ATM card. Direct deposit also available with the Harvard Payroll Office. Variable fee for withdrawal from non-Bank of America ATMs. Saving Accounts: Min. deposit of $50 to open a basic savings account, with min. balance of $500 to waive fee of $4. Direct deposit, interest-earning. Extras: American Express Travelers' Cheques, 24hr ATM. Now offering HomeLink Online banking, investing, and personalized home page. Bank of America offers the largest ATM network in the country with a whopping 16,000 machines. It also gives you a $10 reward for each friend you persuade to open a student account with them. Also look out for Bank of America's annual museum month in May, where your bank card gets you into major Boston museums for free. This section contains information from Harvard Student Agencies' Unofficial Guide to Life at Harvard.

Checking Accounts: Student Checking: No interest, no min. balance after $10 opening deposit, free ATM use, free checks, free online banking. Now Personal Checking: Interest earning, min. balance $1000 or $8/mo service charge and $.30/check fee, no fees for customers under 19, free ATM use, free online banking, overdraft protection service, 50 free checks/mo. Savings accounts: Interest-earning, ATM card available, $10 minimum balance, $1 monthly service charge if not at min. balance. Statement: Interest-earning, ATM card, $250 min. balance, $2.50 monthly fee if not at min. balance. Extras: Visa debit card, American Express Travelers Cheques, safe deposit boxes, 24hr ATM and account information, free ATM transactions at Wainwright Bank ATMs (convenient locations include Central Sq. and Downtown Crossing) and SUM Network locations. 9 area locations. The bank also does a lot of community service and humanitarian work, distancing itself from corporate banking giants. This section contains information from Harvard Student Agencies' Unofficial Guide to Life at Harvard.

Checking Accounts: Personal, no-interest checking: $ 750 min. balance; $6 monthly maintenance fee and 35¢ per transaction fee if under the minimum. Unlimited checking, no interest earned. Interest checking: daily compounded interest on balances more than $1000. $7/mo and 45¢ per transaction fee charged on accounts with balances below $1500. ATM Convenience checking: no min. balance, no interest earned, unlimited ATM transaction, 8 checks/mo with a $3 fee for each additional check. $5 monthly fee assessed only after 1 yr account inactivity. Extras: AmEx Travelers Cheques, foreign currency (for account holders only), student loans, 24hr ATM, 24hr Private line telephone banking. $1 fee for non-Cambridge Trust ATMs. This section contains information from Harvard Student Agencies' Unofficial Guide to Life at Harvard.