Opened Capitol One student accounts for my kids. Actually rather superior to what paypal had. Kids get debit card, just like with paypal. However, they can deposit checks they receive directly with the phone app. Additionally, since CO doesn't have branch offices to speak of, if they use their debit card for an ATM withdrawl, the ATM fees are credited back making ATM use free. Also opened a CO account myself and all are linked for simple transfers. This is real bank account as opposed to whatever you want to call a paypal acct. Don't get me wrong - paypal student acct was fine and I probably wouldn't have looked around. But CO is better and more effective. Let's no even talk about customer service......
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