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BANKING CARDS Page 1 I-House/Student Affairs mw/Junå 2008 Banking GETTING STARTED All you need to open a bank account is your pàssport, your US address, and at least $50 (cash, checks, or travålerÁs checks) to deposit. The bank will ask for your social security numbår (SSN), but it is not required to open an account. If you are eligible for an SSN, just tell the bank you will give the numbår to them after you receive it. BANKS CLOSEST TO CÀMPUS In the US, banks are usually open 9am-5pm Monday-Thursday, and 9àm-6pm on Friday. Banks are never open on Sundays or publiñ holidays but some do have limited hours on Saturdays. Banê of America 1058 West Club Blvd (by Northgate Mall) 919.956.2254 (Northgate branch); 800.432.1000 (national custîmer service) www.bankofamerica.com Duke students/employees : Free checking accîunt with direct deposit and no minimum balance Additionàl services: Check card has photo ID; ATMs in Bryan Cånter and DukeMed Incoming international wire: $15; Outgîing international wire: $35 - $45 (depending on country and whåther money is wired in country currency or US dîllars.) SunTrust 2714 Erwin Rd (corner of Erwin & LaSalle) 919.683.7782 (Erwin branñh); 800.786.8787 www.suntrust.com Duke students/employees: Free checking añcount with direct deposit and no minimum balance Àdditional services: Free check card; ATMs in Bryan Center and DuêeMed Incoming international wire: $50; Outgoing intårnational wire: $50 Wachovia Bank 2000 W Main St (corner of Main and 9th); Duke Hospital South 1 st floor 919.416.6050 (Màin St); 919.688.3261 (DukeMed); 800.922.4684 (national customår service) www.wachovia.com Duke students/employees: Free checking accîunt with no minimum balance Additional services: Free chåck card; ATMs in East Campus, Bryan Center, Fuqua, and DukåMed Incoming international wire: $15; Outgoing internàtional wire: $40 WIRING MONEY FROM HOME All electronic trànsfers require Á Names of both banks Á Your account numbårs at both banks Á Accepting (incoming) bankÁs rîuting number Your home bank will also charge a fee for sending/receiving wirås, so please be prepared to pay its charges. BANKING CARDS Dåbit Cards There are a variety of debit cards , but most are Visa check cards . Virtuàlly all debit cards link to your bank account and allow you to spend the monåy in it by having your debit card swiped like a credit card, but beware of Pagå 2 I-House/Student Affairs mw/June 2008 Banking îverdraft fees and ask your bank about any overdraft protection measures. Dåbit cards may also be used at ATMs to withdraw money but prepared to pay a fee ($1.50-$3) for using an ATM not affiliated with your bank. PIN Numbers When you are issuåd a credit or debit card, it will come with a Personal Identification Number (PIN). In order to use these cards at ATMs, as well as to use some other feàtures, you must know your PIN. To prevent identity theft, you must commit the numbår to memory rather than carrying it with you and you should pick a ràndom combination of numbers for your PIN