A similar experience happened to me while I was in school, and opened a bank account through the university which had a partnership with $BANK since there weren

A similar experience happened to me while I was in school, and opened a bank account through the university which had a partnership with $BANK since there weren't any nearby ATMs in-network with the credit union from my hometown. Thinking that having access to cash would be in my best interest in case of needing to buy things secondhand like from Craigslist; and didn't see a clause in the contract which required a minimum balance for both the signup bonus and until seeing a $15 monthly fee withdrawn from the account which had a small deposit made into. It ended up being a net loss-- missing that work to open a bank account with an unattainable minimum balance meant the entire process ended up costing almost 2 hours worth of pay. Google Wallet solved this problem while they were still around but the service was canceled likely due to being a loss leader for the company, and have since switched to Simple which has several ATMs available in my area.