i would say stay away from citizens if your 18. Their checking accounts are nice and all, but they will absolutly screw you if you go in the negative withh your check card. My girlfriend had a problem with an airline where they charged her twice, and she ended up going in the negative by a few dollars at most. they charged her something like 15 dollars a day that she was in the negative, and she didnt catch it until like a week later. it just was a huge mess and they were very difficult to deal with. I have had m and t for about 3 years now. I have had no problems what so ever, their checking accounts are very comparable to other franchises.