Navigating Your Next Chapter: Financial Tips for College Students

Stepping onto a college campus marks a massive milestone. It’s a exciting time filled with newfound independence, expanding networks, and future career opportunities. But along with that freedom comes a fresh set of responsibilities—namely, learning how to manage your own money.

Building a solid financial foundation starts with choosing the right tools. Opening a checking and savings account is a straightforward way to keep your money secure, track your spending, and start building smart habits. Whether you prefer to apply online or visit you local branch, getting started is simple.

Smart Banking: Overview of Your Options

Managing your money doesn't have to be complicated. Here is a breakdown of how checking and savings accounts work together to support your day-to-day life and future goals.

1. Daily Spending: The Checking Account

Think of your checking account as your financial hub. It’s the primary tool you’ll use for everyday expenses while navigating college life. Whether you are buying textbooks, paying rent, setting up streaming subscriptions, or receiving direct deposits from a part-time job, this account keeps your cash accessible.

At Ameris Bank, we offer three tailored checking options to fit your lifestyle: Free Checking, Benefits Checking, and Interest Checking.

• The Basics: Open any of these accounts with a minimum $50 deposit.
• Access Anywhere: Every account comes with a Visa® debit card, alongside robust online, mobile, and telephone banking tools.
• Convenient Features: Enjoy built-in features designed for busy schedules, including Bill Pay, Zelle®, paperless statements, and real-time alerts.

2. Future Planning: The Personal Savings Account

While a checking account handles today's expenses, a personal savings account provides a secure environment for money you don't intend to spend right away. It’s the perfect place to build an emergency fund or stash cash for specific goals—like a spring break getaway, tickets to the big game, or next semester's books.

Our personal savings account is structured to help your money grow steadily:

• Low Barrier to Entry: Start saving with a minimum deposit of just $100.
• Earn Interest: Keep your momentum going by earning interest with a $200 minimum daily balance.
• Full Visibility: Stay connected to your progress with 24/7 access to online, mobile, and telephone banking, plus secure paperless statements and alerts.Begin Your Financial Journey Today!

Taking control of your finances is one of the most empowering moves you can make as a student. If you’re ready to set up your personal checking and savings accounts, Ameris Bank is here to help you hit the ground running. 

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. Ameris Bank is not affiliated with nor endorses the Federal Deposit Insurance Corporation (FDIC).