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[quote=Anonymous][quote=Anonymous][quote=Anonymous]We plan to open a checking and savings account for DD at Citibank, where we bank, soon.  We opened a set for little brother a couple of months ago, with no validation problems, but DD has been unavailable to go with me to open the accounts for various reasons.  That would allow us to shift money easily into her account.

We might also open an account with UVA Comm. Credit Union since she's going to UVA.  DW and I have an old account there, but we don't keep any real money in it, so not sure how useful it will be to DD.  Still, we've gotten some cheap car loans from them a couple of times, and they have branches in C'Ville, which Citi does not.

[b]I'm not sure how important a branch is anymore, though.  Outside of opening new accounts for my kids, I haven't been inside a bank branch in years.[/b][/quote]

New poster. For us, having a local branch with actual humans is important for us and for college DD (college junior). She's been able to go to the branch to ask questions and will need to go there soon to double check some deposits from relatives overseas. She can see all this online, of course, and does so, but I've found over the years that sometimes you get a faster, more accurate answer to a question from a human at a branch than online or by phone.

That said -- to the OP: Everyone here is missing [u]THE most important part of your initial post![/u]!

You said that your DD has blown big amounts on your card as an authorized user! You mention that she can easily spend $1,000 (did I read that right?!) on eating out etc.

That is a huge red flag, a bright neon red sign, a clear warning to you as the parent. What have you done about it? Did you discipline her, make her repay at least some of any monies you deemed unnecessary spending, talk to her about being responsible with money, warn her that she will be on a LIMITED fun-and-eating-out budget at college and once that's spent, she's done? Has she shown any understanding of the problem? If this isn't in hand before she is on her own, she will end up wrecking her credit before she's 20, not to mention getting in to debt. Nip it now.

Do not get her a credit card of her own if she is that irresponsible with your own card, OP. Get something with a pre-set limit. I'd have her doing hard-core weekly budgeting starting immediately and through the summer so she learns to live under a budget. If she has a paying job this summer (or gets an allowance or whatever) she needs strict oversight and should present you with a budget to start, and each week, of what she is saving and what she is setting aside for her own personal spending. Some will say that's excessive but you describe her as what I'd call highly irresponsible with money and I'd be a harda*s about it. [/quote]

Good point [/quote]

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