RE: Bank of America - I'm 16:53 - I don't remember what the kind of bank account is called, but if she agreed to do all of her transactions online or via ATM (so NEVER use a teller) and to get her statements all online, they waive the fees. I don't remember if it was a student account or not, but I know she didn't have a student ID.
The "get your statements online" part couldn't be done at the bank when the account was set up, she had to follow a link in an email (I think?). I wound up helping her set that part up (she has really weak English), but she was willing to do whatever was necessary to have the fees waived

From my perspective, it was easy - all we had to do was click "go paperless" or something similar once she was logged in to her account.