The Transition Guide 2010 Edition The Duke mbaa
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- SECTION 6 – FINDING A PLACE TO LIVE
- LIVING ON CAMPUS
SECTION 5 – BANKING
If you don’t have a bank account in the US, we recommended that you bring an international credit card to use until you do. Open a checking account as soon as possible. You will need to go to a bank to fill out the required forms. Take your passport and I-20 with you. Bank Accounts
This account allows for easy payment of expenses and may include:
Some banks offer overdraft protection along with the checking account BY DEFAULT. Overdraft protection is a checking account feature in which a person has a line of credit to write checks for more than the actual account balance. Instead of getting charged about $25 for bouncing a check, overdraft protection will in effect provide the account holder with an instant loan. The interest rate will be extremely high, but if it is paid off quickly it is usually much less expensive than the bounced check fee. Some banks do charge a fee when an account balance falls below zero even if the account holder has overdraft protection, but it's still significantly less than the bounced check fee. If you do not want this option, please explicitly inform your bank to cancel it.1
This account is a safe alternative for storing money you won't immediately need and may include:
Banking Cards
This card looks like a credit card, but the amount you spend will be deducted from your checking account immediately. You can also withdraw money from an ATM with this card (24-hour access). Many banks now combine the check/debit card and ATM card as one card. When you buy something at a grocery store with your check/debit card, you can ask the cashier for "Cash Back". You will receive cash from the register which is then deducted from your checking account. There is no fee charged for this service, however you can only do so when you make a store purchase. This can save you a trip to the ATM machine if you are already at the store and need cash.
With this card you can withdraw or deposit money through a bank machine (24-hour access). If you withdraw money with your bank's ATM card at another bank's ATM, you will be charged a handling fee of between $2 and $3. You can also get "Cash Back" at the grocery store with this card, but you won’t be charged a fee. Note: Wachovia is the only bank that has an ATM at Fuqua and a branch office on campus (in Duke Hospital South on West campus). Bank of America and SunTrust both have an ATM in the Bryan Center which is a 15-minute walk from Fuqua.
If you don’t have a SSN and hence no established credit history in the US, you can apply for a SECURED credit card that limits your credit to the amount of a security deposit, usually between $300-500. So, if you make a deposit of $500, you can spend up to $500 on your credit card. If you pay your credit card bill on time for several months and build up a credit history, you can apply for a normal (unsecured) credit card and get your deposit back. Bank of America offers such a card. Checkbook The checks in your checkbook must have your name and your U.S. address on them. You can write a check to pay your bills, and money will be directly withdrawn from your checking account. When you want to cash a check written out to you, you will need to go the bank with photo identification. We suggest that you do not include your driver’s license number or any other information besides your name and U.S. address. Below is an example of a check. If you pay an e-check online, the Bank Account Number, Routing Number and Check Number are needed. The signature line 
SECTION 6 – FINDING A PLACE TO LIVE
You may live on campus or off campus. For graduate students, on campus housing is very limited. Most Fuqua students live off campus.
LIVING OFF CAMPUS
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