We had one kid in high school in Anchorage, one in college in the Lower 48, and one in the Army wherever they sent him.   From Juneau, the only bank that would allow you to deal with all three of them was Wells Fargo, so we set up WF accounts for all three.  Wells Fargo's business model is predicated on doing everything it can to screw the young, poor, and stupid; often that's the same person.   They are simply predatory with their rules and fees.

If you bank with staid old FNBA and use your debit card at McDonald's for a $5 purchase, if you don't have $5 in your account, you get declined and don't get your McDonald's order.   If you go to McDonalds and try to pay for your Quarter-Pounder with Cheese on a Wells-Fargo debit card and don't have the money, they honor the charge and send you a bill for a $25 overdraft.   My oldest's student loans would be paid off if he could get fifty cents on the dollar for every overdraft fee he paid for stuff like that.   He was dumb; they ruthless.