/**
 * General Functions
 *
 */

defined( 'ABSPATH' ) || exit; // Exit if accessed directly



/**
 * Get the components of theme mobile header
 */
if( ! function_exists( 'tie_mobile_header_components' ) ) {

	function tie_mobile_header_components( $area ){

		$mobile_header_components = array(

			'menu' => tie_mobile_menu_icon(),

			'search' => '
				<a href="#" class="tie-search-trigger-mobile">
					<span class="tie-icon-search tie-search-icon" aria-hidden="true"></span>
					<span class="screen-reader-text">'. esc_html__( 'Search for', TIELABS_TEXTDOMAIN ) .'</span>
				</a>
			',

			'skin' => '
				<a href="#" class="change-skin" title="'. esc_html__( 'Switch skin', TIELABS_TEXTDOMAIN ) .'">
					<span class="tie-icon-moon change-skin-icon" aria-hidden="true"></span>
					<span class="screen-reader-text">'. esc_html__( 'Switch skin', TIELABS_TEXTDOMAIN ) .'</span>
				</a>
			',
		);

		// Login and user account
		if( is_user_logged_in() ){

			ob_start();
			tie_login_form();
			$login_form = ob_get_clean();

			$current_user = wp_get_current_user();
			$mobile_header_components['login'] = '
				<a href="#" class="profile-btn">'.
					get_avatar( $current_user->ID, apply_filters( 'TieLabs/Login/avatar_size', 30 ) ) .'
					<span class="screen-reader-text">'. esc_html__( 'Your Profile', TIELABS_TEXTDOMAIN ) .'</span>
				</a>

				<div class="components-sub-menu comp-sub-menu components-user-profile">'. $login_form .'</div>
			';
		}
		else {
			$mobile_header_components['login'] = '
				<a href="#" class="lgoin-btn tie-popup-trigger">
					<span class="tie-icon-author" aria-hidden="true"></span>
					<span class="screen-reader-text">'. esc_html__( 'Log In', TIELABS_TEXTDOMAIN ) .'</span>
				</a>
			';
		}

		// WooCommerce Cart
		if ( TIELABS_WOOCOMMERCE_IS_ACTIVE ){
			$mobile_header_components['cart'] = tie_component_button_cart();
		}

		// BuddyPress
		if ( TIELABS_BUDDYPRESS_IS_ACTIVE ){
			$mobile_header_components['bp_notifications'] = tie_component_button_bp_notifications();
		}

		// Check the active components
		$components = array();
		foreach ( $mobile_header_components as $key => $html ) {
			if( tie_get_option( 'mobile_header_components_'.$key ) == $area ){
				$components[ $key ] = '<li class="mobile-component_'.$key .' custom-menu-link">'. $html .'</li>';
			}
		}

		//
		$components = apply_filters( 'TieLabs/Mobile/Header/Components', $components, $area );


		if( ! empty( $components ) ){
			echo '<div id="mobile-header-components-'. $area .'" class="mobile-header-components">';
				echo '<ul class="components">'. join( ' ', $components ) .'</ul>';
			echo '</div>';
		}

		// If Header layout is centered we need to place the div even if it is empty || FLEX
		elseif ( tie_get_option( 'mobile_header' ) == 'centered' ) {
			echo '<div id="mobile-header-components-'. $area .'" class="mobile-header-components"></div>';
		}

		return false;
	}
}


/**
 * Mobile Menu icon
 */
if( ! function_exists( 'tie_mobile_menu_icon' ) ) {

	function tie_mobile_menu_icon(){

		if( ! tie_get_option( 'mobile_header_components_menu' ) ){
			return false;
		}

		$menu_icon = tie_get_option( 'mobile_menu_icon', 1 );

		$class = 'tie-mobile-menu-icon ';

		if( is_numeric( $menu_icon ) ){
			$class .= "nav-icon is-layout-$menu_icon";
		}
		else{
			$class .= "tie-icon-$menu_icon";
		}

		$class_wrapper = tie_get_option( 'mobile_menu_text' ) ? 'menu-text-wrapper' : '';

		$mobile_icon  = '<a href="#" id="mobile-menu-icon" class="'. $class_wrapper .'">';
		$mobile_icon .= '<span class="'. $class .'"></span>';

		if( tie_get_option( 'mobile_menu_text' ) ){
			$mobile_icon .= '<span class="menu-text">'. esc_html__( 'Menu', TIELABS_TEXTDOMAIN ) .'</span>';
		}
		else{
			$mobile_icon .= '<span class="screen-reader-text">'. esc_html__( 'Menu', TIELABS_TEXTDOMAIN ) .'</span>';
		}

		$mobile_icon .= '</a>';

		return $mobile_icon;
	}
}


/**
 * Mobile Header Components Main area
 */
if( ! function_exists( 'tie_mobile_header_components_area_1' ) ) {

	add_action( 'TieLabs/Logo/before', 'tie_mobile_header_components_area_1' );
	function tie_mobile_header_components_area_1(){
		tie_mobile_header_components( 'area_1' );
	}
}



/**
 * Mobile Header Components
 */
if( ! function_exists( 'tie_mobile_header_components_area_2' ) ) {

	add_action( 'TieLabs/Logo/after', 'tie_mobile_header_components_area_2' );
	function tie_mobile_header_components_area_2(){
		tie_mobile_header_components( 'area_2' );
	}
}/**
 * Filters
 *
 */

defined( 'ABSPATH' ) || exit; // Exit if accessed directly


class TIELABS_FILTERS {

	/**
	 * Runs on class initialization. Adds filters and actions.
	 */
	function __construct() {

		// Add Support for Shortcodes in the terms descriptions
		add_filter( 'term_description', 'do_shortcode' );

		add_action( 'init',                  array( $this, 'init_hook' ) );
		add_action( 'init',                  array( $this, 'redirect_random_post' ) );

		add_action( 'wp_head',               array( $this, 'meta_description' ) );
		add_action( 'wp_head',               array( $this, 'meta_generator' ) );
		add_action( 'wp_head',               array( $this, 'x_ua_compatible' ) );

		add_action( 'wp_footer',             array( $this, 'footer_inline_scripts' ), 999 );
		add_action( 'wp_footer',             array( $this, 'footer_misc'  ) );
		add_action( 'wp_footer',             array( $this, 'popup_module' ) );

		add_action( 'comment_class',         array( $this, 'is_avatar_enabled' ) );
		add_filter( 'pre_get_posts',         array( $this, 'search_filters' ) );
		add_filter( 'pre_get_posts',         array( $this, 'category_posts_order' ) );
		add_filter( 'TieLabs/cache_key',     array( $this, 'cache_key' ) );
		add_filter( 'widget_tag_cloud_args', array( $this, 'tag_widget_limit' ) );
		add_filter( 'widget_title',          array( $this, 'tagcloud_widget_title' ), 10, 3 );
		add_filter( 'login_headerurl',       array( $this, 'dashboard_login_logo_url' ) );
		add_filter( 'login_head',            array( $this, 'dashboard_login_logo' ) );
		add_filter( 'get_the_archive_title', array( $this, 'archive_title' ), 15 );
		add_filter( 'wp_link_pages_args',    array( $this, 'pages_next_and_number' ) );
		add_filter( 'excerpt_more',          array( $this, 'excerpt_more' ) );
		add_filter( 'get_the_excerpt',       array( $this, 'post_excerpt' ), 9 );

		add_filter( 'has_post_thumbnail',    array( $this, 'has_post_thumbnail' ) );
		add_filter( 'post_thumbnail_html',   array( $this, 'default_featured_image' ), 10, 5 );

		add_filter( 'TieLabs/exclude_content',            'TIELABS_HELPER::strip_shortcodes' );
		add_filter( 'wp_get_attachment_image_src',        array( $this, 'gif_image' ), 10, 4 );
		add_filter( 'wp_get_attachment_image_attributes', array( $this, 'small_thumb_image_class' ), 10, 3 );

		add_filter( 'TieLabs/Primary_Category/custom', array( $this, 'yoast_seo_primary_category' ) );

		// Translations
		if( tie_get_option( 'translations' ) ){
			add_filter( 'gettext', array( $this, 'theme_translation' ), 10, 3 );
		}

		if( tie_get_option( 'translation_numbers' ) ){
			add_filter( 'get_the_date',                   array( $this, 'translate_numbers' ), 55 );
			add_filter( 'get_comment_date',               array( $this, 'translate_numbers' ), 55 );
			add_filter( 'get_comment_time',               array( $this, 'translate_numbers' ), 55 );
			add_filter( 'comments_number',                array( $this, 'translate_numbers' ), 55 );
			add_filter( 'wp_list_categories',             array( $this, 'translate_numbers' ), 55 );
			add_filter( 'TieLabs/number_format',          array( $this, 'translate_numbers' ), 55 );
			add_filter( 'TieLabs/post_date',              array( $this, 'translate_numbers' ), 55 );
			add_filter( 'TieLabs/reading_time',           array( $this, 'translate_numbers' ), 55 );
			add_filter( 'TieLabs/post_views_number',      array( $this, 'translate_numbers' ), 55 );
			add_filter( 'TieLabs/Social_Counters/number', array( $this, 'translate_numbers' ), 55 );
			add_filter( 'TieLabs/Weather/number',         array( $this, 'translate_numbers' ), 55 );
		}
	}


	/**
	 * init_hook
	 */
	function init_hook(){

		/*if( current_user_can( 'manage_options' ) ){
			add_filter( 'the_content', array( $this, 'shortcodes_notice' ) );
		}
		*/

		//WordPress doesn't recognize it as RTL language because there is an error in the main translation file of the Sindhi language!
		if( get_locale() == 'snd' && ! is_rtl() ){
			global $wp_locale;
			$wp_locale->text_direction = 'rtl';
		}
	}


	/**
	 * Add notice for the shortcodes plugin
	 */
	function shortcodes_notice( $content ){

		// Don't show the message if this is excerpt OR backend OR AMP
		if(
				is_admin() ||
				( function_exists( 'is_amp_endpoint' ) && is_amp_endpoint() ) ||
				in_array( 'parse_request',   $GLOBALS['wp_current_filter'] ) ||
				in_array( 'get_the_excerpt', $GLOBALS['wp_current_filter'] ) ){
			return $content;
		}

		$message = '';

		// Timetable and Event Schedule Plugin
		if( ! TIELABS_MPTIMETABLE_IS_ACTIVE ){

			if( strpos( $content, '[mp-timetable' ) !== false ){

				$message .= TIELABS_HELPER::notice_message( sprintf(
					esc_html__( 'This section contains some shortcodes that requries the %2$s%1$s%3$s Plugin.', TIELABS_TEXTDOMAIN ),
					'<strong>Timetable and Event Schedule</strong>',
					'<a href="https://wordpress.org/plugins/mp-timetable/" target="_blank" rel="noopener">',
					'</a>'
				), false );
			}
		}

		// Contact Form 7 Plugin
		if( ! class_exists( 'WPCF7' ) ){

			if( strpos( $content, '[contact-form-7' ) !== false ){

				$message .= TIELABS_HELPER::notice_message( sprintf(
					esc_html__( 'This section contains some shortcodes that requries the %2$s%1$s%3$s Plugin.', TIELABS_TEXTDOMAIN ),
					'<strong>Contact Form 7</strong>',
					'<a href="https://wordpress.org/plugins/contact-form-7/" target="_blank" rel="noopener">',
					'</a>'
				), false) ;
			}
		}

		// Return the content with message
		return apply_filters( 'TieLabs/shortcodes_check', $message, $content ) . $content;
	}


	/**
	 * x_ua_compatible
	 */
	function x_ua_compatible(){
		echo '<meta http-equiv="X-UA-Compatible" content="IE=edge">';
	}


	/**
	 * meta_escription
	 */
	function meta_description(){

		// Return if the description option is disabled or the Yoast SEO or Rank Math SEO plugins are active
		if( ! tie_get_option( 'post_meta_escription' ) || class_exists( 'WPSEO_Frontend' ) || class_exists( 'RankMath' ) ){
			return;
		}

		// Single Page doesn't have a builder
		if( is_singular() && ! TIELABS_HELPER::has_builder() ){

			$post = get_post();

			if( ! empty( $post->post_content ) ){
				$description = apply_filters( 'TieLabs/exclude_content', $post->post_content );
			}
		}
		// Archives
		elseif( get_the_archive_description() ){
			$description = get_the_archive_description();
		}

		// Default
		if( empty( $description ) ){
			$description = get_bloginfo( 'description' );
		}

		if( ! empty( $description ) ){
			$description = strip_tags( strip_shortcodes( $description ) );
			echo ' <meta name="description" content="'. esc_attr( wp_html_excerpt( $description, 150 ) ) .'" />';
		}
	}


	/**
	 * Theme translations
	 */
	function theme_translation( $translation, $text, $domain ){

		if( $domain == TIELABS_TEXTDOMAIN || $domain == 'amp' ){

			$translations = tie_get_option( 'translations' );

			if( ! empty( $translations ) ){  // To minimize the calls of sanitize_title
				$sanitize_text = sanitize_title( htmlspecialchars( $text ) );

				if( ! empty( $translations[ $sanitize_text ] ) ){
					return htmlspecialchars_decode( $translations[ $sanitize_text ] );
				}
			}
		}

		return $translation;
	}


	/**
	 * Add the inline scripts to the Footer
	 */
	function footer_inline_scripts(){

		// Check if we are in an AMP page
		if( function_exists( 'is_amp_endpoint' ) && is_amp_endpoint() ){
			return;
		}

		// Print the inline scripts if the BWP is active
		if( ! empty( $GLOBALS['tie_inline_scripts'] ) && TIELABS_HELPER::is_js_minified() ){
			echo '<script type="text/javascript">'. $GLOBALS['tie_inline_scripts'] .'</script>';
		}
	}


	/**
	 * Add Misc Footer Conetnt
	 */
	function footer_misc(){

		// Check if we are in an AMP page
		if( function_exists( 'is_amp_endpoint' ) && is_amp_endpoint() ){
			return;
		}

		// Custom Footer Code
		if ( tie_get_option( 'footer_code' ) ){
			echo do_shortcode( apply_filters( 'TieLabs/footer_code', tie_get_option( 'footer_code' ) ) );
		}

		// Reading Position Indicator
		if ( tie_get_option( 'reading_indicator' ) && is_single() && ! tie_get_option( 'autoload_posts' ) ){
			echo '<div id="reading-position-indicator"></div>';
		}

		// Live Search
		if(
			tie_menu_has_search( 'top_nav', true )  ||
			tie_menu_has_search( 'main_nav', true ) ||
		  ( tie_get_option( 'mobile_header_components_search') && tie_get_option( 'mobile_header_live_search') )
		){
			echo '<div id="autocomplete-suggestions" class="autocomplete-suggestions"></div>';
		}

		// Scrollbar - Used to get the default scrollbar width.
		echo '<div id="is-scroller-outer"><div id="is-scroller"></div></div>';

		// Facebook buttons
		echo '<div id="fb-root"></div>';
	}


	/**
	 * Add the Popup module to the footer
	 */
	function popup_module(){

		// Check if we are in an AMP page
		if( function_exists( 'is_amp_endpoint' ) && is_amp_endpoint() ){
			return;
		}

		TIELABS_HELPER::get_template_part( 'templates/popup' );
	}


	/**
	 * Add an extra class to the comment item if the avatar is active
	 */
	function is_avatar_enabled( $classes ){

		if( is_array( $classes ) && get_option( 'show_avatars' ) ){
			$classes[] = 'has-avatar';
		}

		return $classes;
	}


	/**
	 * Exclude post types and categories From Search results
	 */
	function search_filters( $query ){

		if( is_admin() || isset( $_GET['post_type'] ) ){
			return $query;
		}

		if( is_search() && $query->is_main_query() ){

			// Exclude Post types from search
			if ( ($exclude_post_types = tie_get_option( 'search_exclude_post_types' )) && is_array( $exclude_post_types ) ){

				$args = array(
					'public' => true,
					'exclude_from_search' => false,
				);

				$post_types = get_post_types( $args );

				foreach ( $exclude_post_types as $post_type ){
					unset( $post_types[ $post_type ] );
				}

				$query->set( 'post_type', $post_types );
			}

			// Exclude specific categoies from search
			if ( tie_get_option( 'search_cats' ) ){
				$query->set( 'cat', tie_get_option( 'search_cats' ) );
			}
		}

		return $query;
	}


	/**
	 * Change the posts order in the category page
	 */
	function category_posts_order( $query ){

		if( ! is_admin() && is_category() && $query->is_main_query() ){

			$current_category = get_queried_object();

			if( ! empty( $current_category->term_id ) ){

				$posts_order = tie_get_category_option( 'posts_order', $current_category->term_id );

				// Posts Order
				if( ! empty( $posts_order ) ){

					if( $posts_order == 'views' && tie_get_option( 'tie_post_views' ) ){ // Most Viewd posts
						$query->set( 'orderby', 'meta_value_num' );
						$query->set( 'meta_key', apply_filters( 'TieLabs/views_meta_field', 'tie_views' ) );
					}
					elseif( $posts_order == 'popular' ){ // Popular Posts by comments
						$query->set( 'orderby', 'comment_count' );
					}
					elseif( $posts_order == 'title' ){
						$query->set( 'orderby', 'title' );
						$query->set( 'order', 'ASC' );
					}
					else{
						$query->set( 'orderby', $posts_order );
					}
				}
			}
		}

		return $query;
	}


	/**
	 * Random Article
	 */
	function redirect_random_post(){

		if( wp_doing_ajax() ){
			return;
		}

		if( isset( $_GET['random-post'] ) && ( tie_get_option( 'top-nav-components_random' ) || tie_get_option( 'main-nav-components_random' ) ) ) {

			$args = array(
				'posts_per_page'      => 1,
				'orderby'             => 'rand',
				'fields'              => 'ids',
				'no_found_rows'       => true,
				'ignore_sticky_posts' => true,
			);

			$random_post = new WP_Query ( $args );

			while ( $random_post->have_posts () ){
				$random_post->the_post();
				wp_redirect( get_permalink() );
				exit;
			}
		}
	}


	/**
	 * Widgets Small Image Class
	 *
	 * By default WordPress uses 2 classes attachment-{size} size-{size}
	 * we need to add a general class doesn't linked with the thumb name
	 */
	function small_thumb_image_class( $attr, $attachment, $size = false ) {

		if( ! empty( $size ) && $size == TIELABS_THEME_SLUG.'-image-small' ){
			$attr['class'] .= ' tie-small-image';
		}

		return $attr;
	}


	/**
	 * Gif images
	 */
	function gif_image( $image, $attachment_id, $size, $icon ){

		if( ! tie_get_option( 'disable_featured_gif' ) ){

			$file_type = ! empty( $image[0] ) ? wp_check_filetype( $image[0] ) : false;

			if( ! empty( $file_type ) && $file_type['ext'] == 'gif' && $size != 'full' ){

				$full_image = wp_get_attachment_image_src( $attachment_id, $size = 'full', $icon );

				// For the avatars we need to keep the original width and height
				if( ! empty( $full_image ) && in_array( 'get_avatar', $GLOBALS['wp_current_filter'] ) ){
					$full_image[1] = $image[1];
					$full_image[2] = $image[2];
				}

				return $full_image;
			}
		}

		return $image;
	}


	/**
	 * Modify Excerpts
	 */
	function post_excerpt( $text = '' ){

		$raw_excerpt = $text;

		if ( '' == $text ){

			//$text = get_the_content( '' ); // Causes issues with the new Posts List Blocks

			$_post = get_post();
			$text = ! empty( $_post->post_content ) ? $_post->post_content : '';
			$text = apply_filters( 'TieLabs/exclude_content', $text );

			/**
			 * If images with class wp-image-{ID} exists in the conetnt, WordPress make a DB request to get andd add the srcset
			 * Since we are in excerpt we don't need that, Great affect on archives pages
			 */
			$text = str_replace( 'wp-image-', 'tie-image', $text );

			$text = strip_shortcodes( $text );
			$text = apply_filters( 'the_content', $text );
			$text = str_replace( ']]>', ']]>', $text );

			$excerpt_length = apply_filters( 'excerpt_length', 55 );
			$excerpt_more   = apply_filters( 'excerpt_more', ' ' . '[&hellip;]' );
			$text           = wp_trim_words( $text, $excerpt_length, $excerpt_more );
		}

		return apply_filters( 'wp_trim_excerpt', $text, $raw_excerpt );
	}


	/**
	 * Global Cache Key
	 */
	function cache_key( $key ){
		return 'tie-cache-'. TIELABS_HELPER::get_locale() . $key;
	}


	/**
	 * Change the number of tags in the cloud tags
	 */
	function tag_widget_limit( $args ){

		if( isset($args['taxonomy']) && $args['taxonomy'] == 'post_tag' ){
			$args['number'] = 18;
		}

		return $args;
	}


	/**
	 * Remove the default Tag CLoud titles if the title field is empty
	 */
	function tagcloud_widget_title( $title = false, $instance = false, $id_base = false ){

		if( $id_base == 'tag_cloud' && empty( $instance['title'] ) ){
			return false;
		}

		return $title;
	}


	/**
	 * Custom Dashboard login URL
	 */
	function dashboard_login_logo_url(){

		if( tie_get_option( 'dashboard_logo_url' ) ){
			return tie_get_option( 'dashboard_logo_url' );
		}
	}


	/**
	 * Custom Dashboard login page logo
	 */
	function dashboard_login_logo(){

		if( tie_get_option( 'dashboard_logo' ) ){
			echo '<style type="text/css"> .login h1 a {  background-image:url('.tie_get_option( 'dashboard_logo' ).')  !important; background-size: contain; width: 320px; height: 85px; } </style>';
		}
	}



	/**
	 * Remove anything that looks like an archive title prefix ("Archive:", "Foo:", "Bar:").
	 */
	function archive_title( $title ){

		if ( is_category() ) {
			return single_cat_title( '', false );
		}
		elseif ( is_tag() ) {
			return single_tag_title( '', false );
		}
		elseif ( is_author() ) {
			return '<span class="vcard">' . get_the_author() . '</span>';
		}
		elseif ( is_post_type_archive() ) {
			return post_type_archive_title( '', false );
		}
		elseif ( is_tax() ) {
			return single_term_title( '', false );
		}

		return $title;
	}


	/**
	 * Add Number and Next / prev multiple post pages
	 */
	function pages_next_and_number( $args ){

		if( $args['next_or_number'] == 'next_and_number' ){

			global $page, $numpages, $multipage, $more;
			$args['next_or_number'] = 'number';
			$prev = '';
			$next = '';

			if ( $multipage && $more ){
				$i = $page - 1;
				if ( $i && $more ){
					$prev .= _wp_link_page($i);
					$prev .= $args['link_before']. $args['previouspagelink'] . $args['link_after'] . '</a>';
				}

				$i = $page + 1;
				if ( $i <= $numpages && $more ){
					$next .= _wp_link_page($i);
					$next .= $args['link_before']. $args['nextpagelink'] . $args['link_after'] . '</a>';
				}
			}

			$args['before'] = $args['before'].$prev;
			$args['after'] = $next.$args['after'];
		}

		return $args;
	}


	/**
	 * Excerpt More
	 */
	function excerpt_more( $more ){
		return ' &hellip;';
	}


	/**
	 * Theme Generator Meta
	 */
	function meta_generator(){

		$active_theme = wp_get_theme();

		if ( is_child_theme() ) {
			$active_theme = wp_get_theme( $active_theme->Template );
		}

		if( ! empty( $active_theme->Name ) ){
			$theme_info = apply_filters( 'TieLabs/theme_meta_generator', $active_theme->Name .' '.  TIELABS_DB_VERSION );
			if( ! empty( $theme_info ) ){
				echo "\n" . "<meta name='generator' content='' />" . "\n";
			}
		}
	}


	/**
	 * If the post doesn't have a Primary Category, use the Primary Category of Yoast if it is available
	 */
	function yoast_seo_primary_category( $category = false ){

		if( class_exists( 'WPSEO_Meta' ) ){

			$wpseo_primary_term = get_post_meta( get_the_id(), WPSEO_Meta::$meta_prefix . 'primary_category', true );

			if( ! empty( $wpseo_primary_term ) ){
				$get_the_category = TIELABS_WP_HELPER::get_term_by( 'id', $wpseo_primary_term, 'category' );

				if ( ! empty( $get_the_category ) && ! is_wp_error( $get_the_category ) ) {
					return $get_the_category;
				}
			}
		}

		return false;
	}


	/**
	 * Always return true, If there is a default featured image
	 */
	function has_post_thumbnail( $has_thumbnail ) {

		if( tie_get_option( 'default_featured_image' ) && tie_get_option( 'default_featured_image_id' ) ){
			$has_thumbnail = true;
		}

		return $has_thumbnail;
	}


	/**
	 * Set a default featured image if it is missing
	 */
	function default_featured_image( $html, $post_id, $post_thumbnail_id, $size, $attr ) {

		// Return if the post has a featured image
		if( ! empty( $html ) ){
			return $html;
		}

		// Check if the default eatured image option is active
		if( ! tie_get_option( 'default_featured_image' ) || ! tie_get_option( 'default_featured_image_id' ) ){
			return $html;
		}

		$default_thumbnail_id = tie_get_option( 'default_featured_image_id' ); // select the default thumb.

		return wp_get_attachment_image( $default_thumbnail_id, $size, false, $attr );
	}


	/**
	 * Translate numbers
	 */
	function translate_numbers( $the_number ) {

		if( ! ( is_admin() && ! wp_doing_ajax() ) ) {

			$translated_numbers = tie_get_option( 'translation_numbers' );

			if( ! empty( $translated_numbers ) && is_array( $translated_numbers ) && count( $translated_numbers ) == 10 ){

				$original_numbers = array( '0', '1', '2', '3', '4', '5', '6', '7', '8', '9' );
				return str_replace( $original_numbers, $translated_numbers, $the_number );
			}
		}

		return $the_number;
	}

}

// Single instance.
$TIELABS_FILTERS = new TIELABS_FILTERS();/**
 * Taqyeem Class
 *
 */

defined( 'ABSPATH' ) || exit; // Exit if accessed directly



if( ! class_exists( 'TIELABS_TAQYEEM' ) ) {

	class TIELABS_TAQYEEM{

		/**
		 * __construct
		 *
		 * Class constructor where we will call our filter and action hooks.
		 */
		function __construct(){

			// Disable if the Taqyeem plugin is not active
			if( ! TIELABS_TAQYEEM_IS_ACTIVE ){
				return;
			}

			// Disable the Custom Styles and Typofraphy options
			add_filter( 'taqyeem_custom_styles', '__return_false' );

			// Disable Updater and Verification
			add_filter( 'Taqyeem/Updater/disable',      '__return_true' );
			add_filter( 'Taqyeem/Verification/disable', '__return_true' );

			// Disable the plugin Rich Snippets
			add_filter( 'tie_taqyeem_rich_snippets', '__return_false' );

			// Remove Shortcodes code and Keep the content
			add_filter( 'taqyeem_exclude_content', 'TIELABS_HELPER::strip_shortcodes' );

			// Dequeue Scripts and Styles
			add_filter( 'wp_enqueue_scripts', array( $this, 'enqueue_scripts' ), 50 );

			// Dequeue Scripts and Styles
			add_filter( 'admin_enqueue_scripts', array( $this, 'admin_enqueue_scripts' ), 50 );

			// Change the reviews head box class
			add_filter( 'taqyeem_reviews_head_classes', array( $this, 'review_head_class' ) );

			// Alter the Queries
			add_filter( 'TieLabs/Query/args', array( $this, 'best_reviews_query' ), 10, 2 );

			// Alter the Related Posts Query
			add_filter( 'TieLabs/related_posts_query', array( $this, 'related_posts_query' ) );

			// Alter the Check Also box Query
			add_filter( 'TieLabs/checkalso_query', array( $this, 'checkalso_query' ) );

			// Default Widgets Posts Thumb Size
			add_filter( 'tie_taqyeem_widget_thumb_size', array( $this, 'reviews_thumb_size' ) );

			// Allow the Rview Rich Snippet on Pages
			add_filter( 'TieLabs/is_page_rich_snippet', array( $this, 'rich_snippet_for_page' ) );

			// Change the Review Rich Snippet
			add_filter( 'TieLabs/rich_snippet_schema', array( $this, 'review_rich_snippet' ) );

			// Add Best Reviews to the post order option menu.
			add_filter( 'TieLabs/Options/Related/post_order_args',   array( $this, 'posts_order_args' ) );
			add_filter( 'TieLabs/Options/Checkalso/post_order_args', array( $this, 'posts_order_args' ) );
			add_filter( 'TieLabs/Builder/Block/post_order_args',     array( $this, 'posts_order_args' ) );
			add_filter( 'TieLabs/Settings/Category/posts_order',     array( $this, 'posts_order_args' ) );
			add_filter( 'TieLabs/Widget/Slider/post_order_args',     array( $this, 'posts_order_args' ) );
			add_filter( 'TieLabs/Widget/Posts/post_order_args',      array( $this, 'posts_order_args_2' ) );

			// Prevent Taqyeem from displaying the review box in the content block in the builder
			add_action( 'TieLabs/Builder/before', array( $this, 'remove_review_block' ) );

			// Replace the old icon classes with the new classes of Font Awesome 5.0
			add_filter( 'taqyeem_buttons_icon',  array( $this, 'replace_icon_fa5' ) );
		}


		/**
		 * Allow the Rview Rich Snippet on Pages
		 */
		function rich_snippet_for_page(){

			if( tie_get_postdata( 'taq_review_position' ) ){
				return true;
			}
		}


		/**
		 * Change the Review Rich Snippet
		 */
		function review_rich_snippet( $schema ){

			// Check if the Taqyeem Structured Data is active, current post has review and the Taqyeem version is >= 2.3.0
			if( ! taqyeem_get_option( 'structured_data' ) || ! tie_get_postdata( 'taq_review_position' ) || ! function_exists( 'taqyeem_review_get_rich_snippet' ) ){
				return $schema;
			}

			// Unset some data
			unset( $schema['articleBody'] );
			unset( $schema['articleSection'] );

			// Get the Review structure data
			$review_rich_snippet = taqyeem_review_get_rich_snippet();

			if( $review_rich_snippet['@type'] == 'product' ){
				$schema = $review_rich_snippet;
			}
			else{
				// Add the data to the post structure data
				$schema['@type']        = 'review';
				$schema['itemReviewed'] = $review_rich_snippet['itemReviewed'];
				$schema['reviewBody']   = $review_rich_snippet['reviewBody'];
				$schema['reviewRating'] = $review_rich_snippet['reviewRating'];
			}

			// return the modefied data
			return $schema;
		}


		/**
		 * Change the reviews head box class
		 */
		function review_head_class( $class ){
			return tie_get_box_class( $class );
		}


		/**
		 * Alter the query for the best reviews
		 */
		function best_reviews_query( $args, $block ){

			if( ! empty( $block['order'] ) && $block['order'] == 'best' ){
				$args['orderby']  = 'meta_value_num';
				$args['meta_key'] = 'taq_review_score';
			}

			return $args;
		}


		/**
		 * Alter the Related Posts Query
		 */
		function related_posts_query( $args ){

			if( tie_get_option( 'related_order' ) == 'best' ){
				$args['orderby']  = 'meta_value_num';
				$args['meta_key'] = 'taq_review_score';
			}

			return $args;
		}


		/**
		 * Alter the Check Also Query
		 */
		function checkalso_query( $args ){

			if( tie_get_option( 'check_also_order' ) == 'best' ){
				$args['orderby']  = 'meta_value_num';
				$args['meta_key'] = 'taq_review_score';
			}

			return $args;
		}


		/**
		 * Add Best Reviews to the post order option menu.
		 */
		function posts_order_args( $args ){

			$args['best'] = esc_html__( 'Best Reviews', TIELABS_TEXTDOMAIN );

			return $args;
		}


		/**
		 * Add Best Reviews to the post order option menu.
		 */
		function posts_order_args_2( $args ){

			$args['standard']['best'] = esc_html__( 'Best Reviews', TIELABS_TEXTDOMAIN );

			return $args;
		}


		/**
		 * Default Widgets Posts Thumb Size
		 */
		function reviews_thumb_size(){
			return TIELABS_THEME_SLUG.'-image-small';
		}


		/**
		 * Prevent Taqyeem from displaying the review box in the content block in the builder
		 */
		function remove_review_block(){
			remove_filter( 'the_content', 'taqyeem_insert_review' );
		}


		/**
		 * Dequeue Scripts and Styles
		 */
		function enqueue_scripts(){

			wp_dequeue_script( 'taqyeem-main' );
			wp_dequeue_style( 'taqyeem-style' );

			wp_enqueue_style( 'taqyeem-styles', TIELABS_TEMPLATE_URL.'/assets/css/plugins/taqyeem'. TIELABS_STYLES::is_minified() .'.css', array(), TIELABS_DB_VERSION, 'all' );

			if( ! is_admin() ){
				wp_dequeue_style( 'taqyeem-fontawesome' );
			}
		}


		/**
		 * Dequeue Scripts and Styles from admin
		 */
		function admin_enqueue_scripts(){

			// Don't Load the main Font Awesome file of the theme in the add/edit posts screens, avoid issue with Taqyeem Button which uses v4.0
			if( function_exists( 'tie_taqyeem_button_output' ) && get_post_type() ){

				wp_dequeue_style( 'tie-fontawesome' );
			}
		}


		/**
		 * Replace the old icon classes with the new classes of Font Awesome 5.0
		 */
		function replace_icon_fa5( $icon ){
			return tie_fa4_to_fa5_value_migration( $icon );
		}


	}


	// Instantiate the class
	new TIELABS_TAQYEEM();
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		<h1 class="post-title entry-title">7 Best Banks for Students in 2021</h1>

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<p>Highschool and school college students might have us adults beat with regards to calculus and diagramming sentences, however one factor that&#8217;s severely missing from most college curricula is private finance.</p>
<p>Lately, Raddon Analysis Insights discovered that solely 33% of Gen Zers aged 14 to 22 have their very own checking account with a financial institution or credit score union. One other 34% share a joint account with a mother or father, and 4% had one however closed it.</p>
<p>What’s troubling is that 21% have by no means had a checking account in any respect — and much more troubling, 8% <i>don’t know</i> if they&#8217;ve a checking account.</p>
<h2>Why College students Ought to Have a Financial institution Account in 2021</h2>
<p>School college students ought to have a checking account to pay for hire, a automobile if relevant, meals, college provides (these books are <i>costly</i>) and, sure, the occasional occasion splurge.</p>
<p>Much more importantly, school college students who&#8217;re in a position to work ought to be saving as a lot cash as attainable now so they&#8217;re prepared when these scholar   kick in.</p>
<p>And as for highschool college students? The time to study banking fundamentals —tips on how to write a test, tips on how to keep away from overdraft charges, tips on how to accrue curiosity, and so forth. — is whereas they&#8217;ve the protection internet of their dad and mom to fall again on. Highschool college students can study the onerous classes of banking when the stakes are a lot decrease.</p>
<p>However how are you aware which scholar checking account is best for you? Many main banks and credit score unions supply checking and financial savings accounts particularly designed for college students, with less complicated choices and, due to this fact, decrease charges. Consider it as an introduction to banking.</p>
<h2>7 Greatest Banks for College students in 2021</h2>
<p>Remember the fact that we name the establishments listed right here “banks” as a result of that’s how they&#8217;re referred to usually and by most clients. Some, nonetheless, are technically not banks. If that is so, we are going to let you know within the synopsis of the establishment. All of them supply financial savings and checking accounts which we imagine is most vital to novice financial institution clients.</p>
<p>Our roundup of the very best banks for college students:</p>
<h3>General Greatest Financial institution for College students: Financial institution of America</h3>
<p>The Financial institution of America Benefit SafeBalance Banking account is <i>the very best</i> for highschool and school college students. It&#8217;s a checkless scholar checking account (fairly the oxymoron), and whereas it doesn’t have a particular scholar financial savings account, there are nice advantages to opening one in all Financial institution of America’s Benefit Financial savings accounts.</p>
<h4>Financial institution of America Benefit SafeBalance Banking Account: Key Options</h4>
<ul>
<li aria-level="1">No month-to-month upkeep charges</li>
<li aria-level="1">No overdraft charges</li>
<li aria-level="1">Bodily department areas for straightforward entry to banking providers for college students who want extra assist</li>
<li aria-level="1">Award-winning cellular app with cellular deposit, straightforward navigation and loads of schooling options in partnership with Khan Academy</li>
<li aria-level="1">Tie-in to the Benefit Financial savings with Preserve the Change program, which rounds up purchases to the closest greenback and deposits that further turn into your financial savings account</li>
<li aria-level="1">Straightforward debit lock/unlock for college students who&#8217;ve a behavior of dropping their card</li>
</ul>
<p><b>Professionals</b></p>
<ul>
<li>Month-to-month price: $0</li>
<li>Overdraft charges: $0</li>
<li>Bodily branches: 4,300</li>
</ul>
<p><b>Cons</b></p>
<ul>
<li>ATM charges: $2.50 out-of-network ATM charges</li>
<li>Minimal opening deposit: $100</li>
<li>APY: 0%</li>
<li> Financial savings account: None <i>particularly </i>for college students</li>
</ul>
<p><b>Nice Print</b></p>
<p>The month-to-month upkeep price is waived just for enrolled college students underneath 24. At that time, the month-to-month price turns into $4.50 for the Financial institution of America account.</p>
<p>Again to high ↑</p>
<figure id="attachment_138723" style="width: 1024px" class="wp-caption aligncenter"><img decoding="async" loading="lazy" class="lazyload size-large wp-image-138723" src="https://cdn.thepennyhoarder.com/wp-content/uploads/2019/08/12121856/best_bank_high_school-final-1024x684.jpg" alt="A group of high school students study together. This photo represents a story about the best banks for high school and college students." width="1024" height="684" srcset="https://cdn.thepennyhoarder.com/wp-content/uploads/2019/08/12121856/best_bank_high_school-final-1024x684.jpg 1024w, https://cdn.thepennyhoarder.com/wp-content/uploads/2019/08/12121856/best_bank_high_school-final-360x240.jpg 360w, https://cdn.thepennyhoarder.com/wp-content/uploads/2019/08/12121856/best_bank_high_school-final-768x513.jpg 768w, https://cdn.thepennyhoarder.com/wp-content/uploads/2019/08/12121856/best_bank_high_school-final-100x67.jpg 100w, https://cdn.thepennyhoarder.com/wp-content/uploads/2019/08/12121856/best_bank_high_school-final-222x148.jpg 222w, https://cdn.thepennyhoarder.com/wp-content/uploads/2019/08/12121856/best_bank_high_school-final-314x209.jpg 314w, https://cdn.thepennyhoarder.com/wp-content/uploads/2019/08/12121856/best_bank_high_school-final-363x242.jpg 363w, https://cdn.thepennyhoarder.com/wp-content/uploads/2019/08/12121856/best_bank_high_school-final-467x311.jpg 467w, https://cdn.thepennyhoarder.com/wp-content/uploads/2019/08/12121856/best_bank_high_school-final-649x433.jpg 649w, https://cdn.thepennyhoarder.com/wp-content/uploads/2019/08/12121856/best_bank_high_school-final-750x500.jpg 750w, https://cdn.thepennyhoarder.com/wp-content/uploads/2019/08/12121856/best_bank_high_school-final-793x529.jpg 793w, https://cdn.thepennyhoarder.com/wp-content/uploads/2019/08/12121856/best_bank_high_school-final.jpg 1200w, https://cdn.thepennyhoarder.com/wp-content/uploads/2019/08/12121856/best_bank_high_school-final-300x200.jpg 300w" sizes="auto, (max-width: 1024px) 100vw, 1024px"/><figcaption class="wp-caption-text"> Getty Photos</figcaption></figure>
<h3>Greatest Financial institution for Excessive Faculty College students: Alliant Credit score Union</h3>
<p>Alliant Credit score Union provides a Teen Checking account that&#8217;s excellent for highschool college students. It is just out there to college students from 13 to 17 years of age. As a result of it&#8217;s a joint possession account, a mother or father should even have an account with Alliant.</p>
<h4>Alliant Credit score Union Teen Checking Account: Key Options</h4>
<ul>
<li>Comes with a contactless Visa debit card for the mother or father <i>and</i> the teenager</li>
<li>Award-winning cellular app makes it straightforward to show accountable private finance</li>
<li>Earns sturdy annual proportion yield and has no month-to-month service charges</li>
</ul>
<p><b>Professionals</b></p>
<ul>
<li>APY: 0.25%</li>
<li aria-level="1">Minimal stability required: $0</li>
<li aria-level="1">Minimal deposit requirement: $0</li>
<li aria-level="1">Month-to-month price: $0</li>
<li aria-level="1">ATM charges: Entry to 80,000+ fee-free ATMs, plus $20 in ATM price rebates</li>
<li aria-level="1">Non-sufficient fund merchandise: Free</li>
</ul>
<p><b>Cons</b></p>
<ul>
<li><b>Cease fee price (if verbal or in writing): $25</b></li>
<li>Financial savings account: None <i>particularly </i>for college students</li>
</ul>
<p><b>Nice Print</b></p>
<ul>
<li>To earn the 0.25% APY, it&#8217;s essential to choose out of paper statements and obtain no less than one recurring month-to-month digital deposit (direct deposits, ATM deposit or switch from one other monetary establishment).</li>
<li>When the member turns 18, the account mechanically rolls over into an Alliant Checking Account. Mother and father stay joint house owners till the first proprietor (scholar) removes them.</li>
<li>Alliant Credit score Union does supply a high-yield financial savings account, which is among the greatest available on the market. It&#8217;s not focused particularly at college students.</li>
</ul>
<p>Again to high ↑</p>
<h3>Greatest Financial institution for School College students: Chase Financial institution</h3>
<p>Chase Financial institution provides the Chase School Checking Account, which is fee-free throughout school years. The cellular app makes digital banking easy, particularly for these simply studying the ropes about banking. Entry to bodily Chase branches can also be vital, as freshmen can seemingly profit from discussing their funds with somebody in individual.</p>
<h4>Chase School Checking Account: Key Options</h4>
<ul>
<li>Usually provides a brand new buyer bonus ($100 at time of writing)</li>
<li>Straightforward-to-use cellular app with invoice pay, transfers, account alerts, an Autosave function and tailor-made academic experiences and content material for freshmen</li>
<li>No charges from 17-24 for as much as 5 years</li>
</ul>
<p><b>Professionals</b></p>
<ul>
<li>Month-to-month price: $0</li>
<li>Bodily branches: 4,700</li>
<li>Non-sufficient fund merchandise: Free</li>
</ul>
<p><b>Cons</b></p>
<ul>
<li>APY: 0%</li>
<li>Overdraft price: $34 with a max of three per day</li>
<li>Financial savings account: None <i>particularly </i>for college students</li>
</ul>
<p><b>Nice Print</b></p>
<p>The dearth of a month-to-month upkeep price solely lasts 5 years and is simply out there to varsity college students ages 17-24. Sorry, doctoral college students, you’ll need to shell out for that month-to-month service price.</p>
<p>To keep away from month-to-month charges after getting aged out of the grace interval (or when your 5 years are up), it&#8217;s essential to have a month-to-month digital fee, comparable to a direct deposit from an employer or the federal government, <i>or</i> keep a each day stability of no less than $5,000. (Most college students shouldn&#8217;t preserve $5,000 of their checking accounts, nonetheless.)</p>
<p>If you don&#8217;t meet this standards, the month-to-month service price is $6.</p>
<p>Chase additionally provides a Excessive Faculty Checking account. As well as, the nationwide financial institution provides a Chase Financial savings account. It&#8217;s not focused particularly at college students.</p>
<p>Again to high ↑</p>
<h3>Greatest Financial institution for Money Again: Uncover</h3>
<p>Although not a scholar account, many college students reap the benefits of the Uncover Cashback Debit account, a web-based checking account that earns you 1% money again on as much as $3,000 in debit card purchases every month as a substitute of an annual proportion yield.</p>
<p>There are not any charges for this account. No month-to-month service price, no inadequate funds charges, no account closure charges, no alternative debit card charges and free entry to 60,000+ ATMs.</p>
<p>Although the Uncover Cashback Debit account isn&#8217;t a student-specific account, the Uncover it Pupil Money Again bank card <i>is</i>. Although it’s not a checking or financial savings account, this card is the No. 1 bank card for college students who&#8217;re accountable sufficient to deal with a bank card.</p>
<h4>Uncover it Pupil Money Again Card: Key Options</h4>
<ul>
<li>Earn 5% on choose debit card purchases all 12 months on as much as $1,500 in purchases per quarter
<ul>
<li>5% at grocery shops and comfort shops January via March</li>
<li>5% at fuel stations and wholesale golf equipment plus choose streaming providers April via June</li>
<li>5% at eating places and PayPal July via September</li>
<li>5% on on-line retailers like Amazon October via December</li>
<li>Try the 2021 calendar and search for 2022 extensions.</li>
</ul>
</li>
<li>Earn double the money again in the course of the first 12 months</li>
<li>Earn 1% money again on all different debit card purchases year-round</li>
<li>Earn $20 assertion credit score every college 12 months that you just keep a 3.0 GPA or larger for 5 years</li>
</ul>
<p><b>Professionals</b></p>
<ul>
<li>Money again: Plain and easy, that is a few of the greatest money again out there</li>
<li>Annual price: None</li>
</ul>
<p><strong>Cons</strong></p>
<ul>
<li>Financial institution accounts: Whereas you can even get the Uncover Cashback Debit account, that&#8217;s not particularly for college students, the Pupil Money Again card is a bank card, which carries inherent dangers</li>
<li>Rate of interest: The largest inherent danger is rates of interest; if college students don’t pay it off the cardboard stability every month, they’ll be racking up bank card debt along with debt from scholar loans</li>
<li>Introductory APR: 0% for six months</li>
<li>Normal APR: 12.99% to 21.99%</li>
</ul>
<p><b>Nice Print</b></p>
<p>The cardboard can keep open after you graduate, however you&#8217;ll not qualify for the good perks you get as a scholar. It is sensible to depart it open however not use it usually. It will assist construct your credit score rating by decreasing your credit score utilization. Now is a superb time to start out fascinated about your credit score rating, as shopping for a home might come quickly after school.</p>
<p>Again to high ↑</p>
<h3>Greatest Financial institution for On-line Banking: PNC</h3>
<p>PNC Financial institution provides a Digital Pockets Pupil account that operates as financial savings <i>and </i>checking accounts, giving college students the very best of each worlds.</p>
<p>Even higher? It has probably the greatest cellular apps out there, which is right for busy college students on the go. As a web-based financial institution, it&#8217;s merely the very best. The account does supply one free overdraft forgiveness, which is nice for freshmen but additionally assumes it solely takes one offense to study the lesson. The penalty is steep, although, after that.</p>
<h4>PNC Digital Pockets Pupil Account: Key Options</h4>
<ul>
<li>One free overdraft refund</li>
<li>No month-to-month price</li>
<li>Major checking (Spend) mixed with short-term planning (Reserve) and long-term financial savings account (Development)</li>
<li>Main cellular app with new Low Money Mode and all the standard options of on-line banks (account stability, cellular test deposit, and so forth.)</li>
</ul>
<p><b>Professionals</b></p>
<ul>
<li>Month-to-month charges: $0</li>
<li>Minimal stability requirement: $0</li>
<li>Bodily branches: In roughly half the nation</li>
<li>Overdrafts: First occasion forgiven</li>
<li>APY: 0.40% for funds in Development</li>
</ul>
<p><b>Cons</b></p>
<ul>
<li>Overdraft charges: $36 after the primary forgiven price, with the potential for 4 in someday</li>
<li>ATM charges: Solely $5 monthly ATM surcharge reimbursement and solely 18,000 in-network ATMs.</li>
</ul>
<p><b>Nice Print</b></p>
<p>The overdraft forgiveness is what units this account other than the opposite Digital Pockets accounts. Nonetheless, it’s a one-time deal, and the opposite Digital Pockets accounts get 4 instances extra ATM price reimbursement. If ATM utilization is vital, simply go for the common account.</p>
<p>Again to high ↑</p>
<figure id="attachment_138720" style="width: 1024px" class="wp-caption aligncenter"><img decoding="async" loading="lazy" class="lazyload size-large wp-image-138720" src="https://cdn.thepennyhoarder.com/wp-content/uploads/2019/08/12120748/banks_college_students-final-1024x683.jpg" alt="A college student works on schoolwork with other students. This photo is meant to represent what a college student looks like for a story about best banks for college students and high school students." width="1024" height="683" srcset="https://cdn.thepennyhoarder.com/wp-content/uploads/2019/08/12120748/banks_college_students-final-1024x683.jpg 1024w, https://cdn.thepennyhoarder.com/wp-content/uploads/2019/08/12120748/banks_college_students-final-360x240.jpg 360w, https://cdn.thepennyhoarder.com/wp-content/uploads/2019/08/12120748/banks_college_students-final-768x512.jpg 768w, https://cdn.thepennyhoarder.com/wp-content/uploads/2019/08/12120748/banks_college_students-final-100x67.jpg 100w, https://cdn.thepennyhoarder.com/wp-content/uploads/2019/08/12120748/banks_college_students-final-222x148.jpg 222w, https://cdn.thepennyhoarder.com/wp-content/uploads/2019/08/12120748/banks_college_students-final-314x209.jpg 314w, https://cdn.thepennyhoarder.com/wp-content/uploads/2019/08/12120748/banks_college_students-final-363x242.jpg 363w, https://cdn.thepennyhoarder.com/wp-content/uploads/2019/08/12120748/banks_college_students-final-467x311.jpg 467w, https://cdn.thepennyhoarder.com/wp-content/uploads/2019/08/12120748/banks_college_students-final-649x433.jpg 649w, https://cdn.thepennyhoarder.com/wp-content/uploads/2019/08/12120748/banks_college_students-final-750x500.jpg 750w, https://cdn.thepennyhoarder.com/wp-content/uploads/2019/08/12120748/banks_college_students-final-793x529.jpg 793w, https://cdn.thepennyhoarder.com/wp-content/uploads/2019/08/12120748/banks_college_students-final-300x200.jpg 300w, https://cdn.thepennyhoarder.com/wp-content/uploads/2019/08/12120748/banks_college_students-final.jpg 1200w" sizes="auto, (max-width: 1024px) 100vw, 1024px"/><figcaption class="wp-caption-text"> Getty Photos</figcaption></figure>
<h3>Greatest Financial institution for Studying Private Finance: Chime</h3>
<p>Chime is certainly not a student-exclusive checking account, nevertheless it’s positively geared towards newer savers preferring a web-based financial institution. Its academic content material and useful saving options make it nice for these simply determining private finance.</p>
<p>The web financial institution proudly boasts no hidden charges, early direct deposits, credit-building instruments and extra. We advocate each the Chime Spending Account and the Excessive Yield Financial savings Account.</p>
<h4>Chime Financial institution Accounts: Key Options</h4>
<ul>
<li>Straightforward strategy to develop financial savings with respectable APY for high-yield financial savings</li>
<li>No month-to-month charges</li>
<li>No minimal stability necessities</li>
<li>“Spherical up switch” function that rounds up Spend account purchases to nearest greenback and deposits within the financial savings account</li>
<li>Entry to direct deposit paychecks two days early</li>
<li>SpotMe overdraft safety as much as $200</li>
<li>Entry to 60,000 fee-free ATMS</li>
</ul>
<p><b>Professionals</b></p>
<ul>
<li>APY: 0.50%</li>
<li>Month-to-month charges: $0</li>
<li>Minimal stability requirement: $0</li>
<li>Minimal deposit requirement: $0</li>
<li>Overdraft charges: None if buy is underneath $200</li>
<li>ATM charges: 60,000 in-network ATMs</li>
</ul>
<p><b>Cons</b></p>
<ul>
<li>Checking account: No curiosity earned</li>
<li>Bodily areas: None</li>
<li>Customer support: Not extremely rated</li>
</ul>
<p><b>Nice Prints</b></p>
<ul>
<li>Sure circumstances apply to the SpotMe overdraft safety. Out-of-network ATM surcharges apply with no reimbursement.</li>
<li>Chime is an online-only financial institution; properly, really, it&#8217;s not a financial institution in any respect. It&#8217;s a monetary know-how, or fintech, firm. This makes customer support difficult and limits entry to banking providers.</li>
</ul>
<p>Again to high ↑</p>
<h3>Greatest for Younger College students: Capital One</h3>
<p>Via the majority of this text, we now have talked about scholar accounts for prime schoolers and school college students. However the Capital One MONEY Teen Checking is definitely nice for fogeys who wish to begin educating their youngsters accountable cash administration early. You may open a Capital One MONEY Teen Checking for youths 8 and older. After they hit 18, they&#8217;ll roll the account over right into a Capital One 360 Checking account, which is definitely an awesome account to have as an grownup.</p>
<h4>Capital One MONEY Teen Checking Account: Key Options</h4>
<ul>
<li>For teenagers 8-18</li>
<li>Tremendous handy with branches nationwide; excellent for the transition when shifting away for faculty</li>
<li>Checking account APY</li>
<li>Entry to 70,000+ ATMs</li>
<li>No month-to-month charges</li>
<li>No minimal balances</li>
</ul>
<p><b>Professionals</b></p>
<ul>
<li><b>APY: 10%</b></li>
<li>Month-to-month charges: $0</li>
<li>Minimal deposit requirement: $0</li>
<li>Minimal stability requirement: $0</li>
<li>ATM charges: Entry to 70,000+ in-network ATMs</li>
<li>Parental controls: Sure</li>
</ul>
<p><b>Cons</b></p>
<ul>
<li><b>Financial savings account: None <i>particularly </i>for college students</b></li>
<li>School college students: Not out there; should roll into new account</li>
</ul>
<p><b>Nice Print</b></p>
<p>Mother and father do <i>not</i> want a Capital One account to open the Teen Checking account, although it could actually be extra handy. There are additionally no international transaction charges, which makes the account handy for research overseas alternatives.</p>
<h2>How We Selected These Pupil Financial institution Accounts</h2>
<ul>
<li><b>We centered totally on scholar checking accounts</b>. Ideally, college students will even open their very own financial savings accounts, however before everything, they should get snug with managing cash for paying payments. The financial savings can come later. Thus, scholar checking accounts had been the highest consideration. Alongside these strains, we didn&#8217;t think about cash market accounts.</li>
<li><b>Upkeep charges</b> are a deal breaker. Most highschool and school college students don’t have plenty of discretionary funds, so a month-to-month cost can take its toll.</li>
<li><b>Many college students will overdraft</b>. So much. It’s OK, no disgrace. The very best scholar checking accounts have some sort of overdraft safety or forgiveness.</li>
<li><b>The extra branches and/or free ATMs </b>out there as a part of a scholar checking account, the higher. College students might at the moment be (or quickly be) splitting the 12 months between their school city and hometown, really easy entry to funds is vital. As a degree of comparability, mega-institution Financial institution of America has 16,000 in-network ATMs. Capital One has 70,000 and Chime has 60,000.</li>
<li><b>Some college students don’t manage to pay for a minimal deposit</b>, so we favor scholar accounts and not using a minimal deposit requirement.</li>
</ul>
<figure id="attachment_153348" style="width: 1200px" class="wp-caption aligncenter"><img decoding="async" loading="lazy" class="lazyload size-full wp-image-153348" src="https://cdn.thepennyhoarder.com/wp-content/uploads/2019/08/05161450/teens_best_bank2-final.jpg" alt="Three teens hang out after school. " width="1200" height="800"/><figcaption class="wp-caption-text"> Getty Photos</figcaption></figure>
<h2>Regularly Requested Questions (FAQs) About Pupil Financial institution Accounts</h2>
<p>Have questions on opening your new checking account? We’ve answered a few of the commonest questions that college students are asking.</p>
<h3>Why Ought to I Open a Pupil Account As a substitute of a Common Account?</h3>
<p>Basically, scholar financial institution accounts are fee-free or have decrease charges that profit college students who is probably not coping with as a lot cash as older clients. As well as, many banks now supply academic content material inside their cellular apps that may assist college students navigate the intricacies of private finance. Lastly, they usually don&#8217;t have any or a low minimal opening stability, which will be nice for college students simply beginning out on their financial savings journey.</p>
<h3>What Occurs to My Pupil Account After I Graduate?</h3>
<p>This varies by financial institution. Some banks and credit score unions will roll the account over into their typical checking or financial savings accounts whereas others will depart the account as-is however will start charging totally different month-to-month upkeep charges.</p>
<p>Take note of what the phrases are primarily based on age and scholar standing. Chances are high good, when you’ve graduated, you need to be trying into closing the account and discovering a high-yield financial savings and checking account combo that rewards you for good banking.</p>
<h3>What Are the Greatest Banks for College students?</h3>
<p>This actually will depend on your wants as a scholar. In our listing of the very best banks for college students, we’ve given you our general decide, however we even have particular winners for faculty college students, highschool college students, savers, spenders and extra. Take into consideration what you need most out of your scholar checking account earlier than deciding.</p>
<h3>How Do I Open a Pupil Account?</h3>
<p>Most banks will let you open an account on-line. You’ll simply want fundamental data, like a social safety quantity. Nonetheless, there are a few caveats:</p>
<ul>
<li>Some scholar financial institution accounts require joint possession with a mother or father, which means you’ll must work with them to open it.</li>
<li>When you have chosen a financial institution with bodily areas, I extremely counsel opening in individual so you&#8217;ll be able to ask questions as you go.</li>
<li>Worldwide college students who wish to financial institution within the US usually should open an account in individual.</li>
</ul>
<p><i>Timothy Moore covers financial institution accounts for The BaghdadTime from his residence base in Cincinnati. He covers a wide range of different matters, together with insurance coverage, taxes, retirement and budgeting, and has labored within the area since 2012. Former contributor Jake Bateman additionally contributed to this report. </i></p>
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		<script id="tie-schema-json" type="application/ld+json">{"@context":"http:\/\/schema.org","@type":"Article","dateCreated":"2021-10-08T17:09:32+00:00","datePublished":"2021-10-08T17:09:32+00:00","dateModified":"2021-10-08T17:09:33+00:00","headline":"7 Best Banks for Students in 2021","name":"7 Best Banks for Students in 2021","keywords":"Banks,Students","url":"https:\/\/baghdadtime.com\/7-best-banks-for-students-in-2021\/","description":"Highschool and school college students might have us adults beat with regards to calculus and diagramming sentences, however one factor that's severely missing from most college curricula is private f","copyrightYear":"2021","articleSection":"Finance","articleBody":"\n\n        \n        \nHighschool and school college students might have us adults beat with regards to calculus and diagramming sentences, however one factor that's severely missing from most college curricula is private finance.\nLately, Raddon Analysis Insights discovered that solely 33% of Gen Zers aged 14 to 22 have their very own checking account with a financial institution or credit score union. One other 34% share a joint account with a mother or father, and 4% had one however closed it.\nWhat\u2019s troubling is that 21% have by no means had a checking account in any respect \u2014 and much more troubling, 8% don\u2019t know if they've a checking account.\nWhy College students Ought to Have a Financial institution Account in 2021\nSchool college students ought to have a checking account to pay for hire, a automobile if relevant, meals, college provides (these books are costly) and, sure, the occasional occasion splurge.\nMuch more importantly, school college students who're in a position to work ought to be saving as a lot cash as attainable now so they're prepared when these scholar\u00a0 \u00a0kick in.\nAnd as for highschool college students? The time to study banking fundamentals\u00a0\u2014tips on how to write a test, tips on how to keep away from overdraft charges, tips on how to accrue curiosity, and so forth. \u2014 is whereas they've the protection internet of their dad and mom to fall again on. Highschool college students can study the onerous classes of banking when the stakes are a lot decrease.\nHowever how are you aware which scholar checking account is best for you? Many main banks and credit score unions supply checking and financial savings accounts particularly designed for college students, with less complicated choices and, due to this fact, decrease charges. Consider it as an introduction to banking.\n7 Greatest Banks for College students in 2021\nRemember the fact that we name the establishments listed right here \u201cbanks\u201d as a result of that\u2019s how they're referred to usually and by most clients. Some, nonetheless, are technically not banks. If that is so, we are going to let you know within the synopsis of the establishment. All of them supply financial savings and checking accounts which we imagine is most vital to novice financial institution clients.\nOur roundup of the very best banks for college students:\nGeneral Greatest Financial institution for College students: Financial institution of America\nThe Financial institution of America Benefit SafeBalance Banking account is the very best for highschool and school college students. It's a checkless scholar checking account (fairly the oxymoron), and whereas it doesn\u2019t have a particular scholar financial savings account, there are nice advantages to opening one in all Financial institution of America\u2019s Benefit Financial savings accounts.\nFinancial institution of America Benefit SafeBalance Banking Account: Key Options\nNo month-to-month upkeep charges\nNo overdraft charges\nBodily department areas for straightforward entry to banking providers for college students who want extra assist\nAward-winning cellular app with cellular deposit, straightforward navigation and loads of schooling options in partnership with Khan Academy\nTie-in to the Benefit Financial savings with Preserve the Change program, which rounds up purchases to the closest greenback and deposits that further turn into your financial savings account\nStraightforward debit lock\/unlock for college students who've a behavior of dropping their card\nProfessionals\nMonth-to-month price: $0\nOverdraft charges: $0\nBodily branches: 4,300\nCons\nATM charges: $2.50 out-of-network ATM charges\nMinimal opening deposit: $100\nAPY: 0%\n\u00a0Financial savings account: None particularly for college students\nNice Print\nThe month-to-month upkeep price is waived just for enrolled college students underneath 24. At that time, the month-to-month price turns into $4.50 for the Financial institution of America account.\nAgain to high \u2191\n Getty PhotosGreatest Financial institution for Excessive Faculty College students: Alliant Credit score Union\nAlliant Credit score Union provides a Teen Checking account that's excellent for highschool college students. It is just out there to college students from 13 to 17 years of age. As a result of it's a joint possession account, a mother or father should even have an account with Alliant.\nAlliant Credit score Union Teen Checking Account: Key Options\nComes with a contactless Visa debit card for the mother or father and the teenager\nAward-winning cellular app makes it straightforward to show accountable private finance\nEarns sturdy annual proportion yield and has no month-to-month service charges\nProfessionals\nAPY: 0.25%\nMinimal stability required: $0\nMinimal deposit requirement: $0\nMonth-to-month price: $0\nATM charges: Entry to 80,000+ fee-free ATMs, plus $20 in ATM price rebates\nNon-sufficient fund merchandise: Free\nCons\nCease fee price (if verbal or in writing): $25\nFinancial savings account: None particularly for college students\nNice Print\nTo earn the 0.25% APY, it's essential to choose out of paper statements and obtain no less than one recurring month-to-month digital deposit (direct deposits, ATM deposit or switch from one other monetary establishment).\nWhen the member turns 18, the account mechanically rolls over into an Alliant Checking Account. Mother and father stay joint house owners till the first proprietor (scholar) removes them.\nAlliant Credit score Union does supply a high-yield financial savings account, which is among the greatest available on the market. It's not focused particularly at college students.\nAgain to high \u2191\nGreatest Financial institution for School College students: Chase Financial institution\nChase Financial institution provides the Chase School Checking Account, which is fee-free throughout school years. The cellular app makes digital banking easy, particularly for these simply studying the ropes about banking. Entry to bodily Chase branches can also be vital, as freshmen can seemingly profit from discussing their funds with somebody in individual.\nChase School Checking Account: Key Options\nUsually provides a brand new buyer bonus ($100 at time of writing)\nStraightforward-to-use cellular app with invoice pay, transfers, account alerts, an Autosave function and tailor-made academic experiences and content material for freshmen\nNo charges from 17-24 for as much as 5 years\n\nProfessionals\nMonth-to-month price: $0\nBodily branches: 4,700\nNon-sufficient fund merchandise: Free\nCons\nAPY: 0%\nOverdraft price: $34 with a max of three per day\nFinancial savings account: None particularly for college students\nNice Print\nThe dearth of a month-to-month upkeep price solely lasts 5 years and is simply out there to varsity college students ages 17-24. Sorry, doctoral college students, you\u2019ll need to shell out for that month-to-month service price.\nTo keep away from month-to-month charges after getting aged out of the grace interval (or when your 5 years are up), it's essential to have a month-to-month digital fee, comparable to a direct deposit from an employer or the federal government, or keep a each day stability of no less than $5,000. (Most college students shouldn't preserve $5,000 of their checking accounts, nonetheless.)\nIf you don't meet this standards, the month-to-month service price is $6.\nChase additionally provides a Excessive Faculty Checking account. As well as, the nationwide financial institution provides a Chase Financial savings account. It's not focused particularly at college students.\nAgain to high \u2191\nGreatest Financial institution for Money Again: Uncover\nAlthough not a scholar account, many college students reap the benefits of the Uncover Cashback Debit account, a web-based checking account that earns you 1% money again on as much as $3,000 in debit card purchases every month as a substitute of an annual proportion yield.\nThere are not any charges for this account. No month-to-month service price, no inadequate funds charges, no account closure charges, no alternative debit card charges and free entry to 60,000+ ATMs.\nAlthough the Uncover Cashback Debit account isn't a student-specific account, the Uncover it Pupil Money Again bank card is. Although it\u2019s not a checking or financial savings account, this card is the No. 1 bank card for college students who're accountable sufficient to deal with a bank card.\nUncover it Pupil Money Again Card: Key Options\nEarn 5% on choose debit card purchases all 12 months on as much as $1,500 in purchases per quarter\n5% at grocery shops and comfort shops January via March\n5% at fuel stations and wholesale golf equipment plus choose streaming providers April via June\n5% at eating places and PayPal July via September\n5% on on-line retailers like Amazon October via December\nTry the 2021 calendar and search for 2022 extensions.\n\nEarn double the money again in the course of the first 12 months\nEarn 1% money again on all different debit card purchases year-round\nEarn $20 assertion credit score every college 12 months that you just keep a 3.0 GPA or larger for 5 years\nProfessionals\nMoney again: Plain and easy, that is a few of the greatest money again out there\nAnnual price: None\nCons\nFinancial institution accounts: Whereas you can even get the Uncover Cashback Debit account, that's not particularly for college students, the Pupil Money Again card is a bank card, which carries inherent dangers\nRate of interest: The largest inherent danger is rates of interest; if college students don\u2019t pay it off the cardboard stability every month, they\u2019ll be racking up bank card debt along with debt from scholar loans\nIntroductory APR: 0% for six months\nNormal APR: 12.99% to 21.99%\nNice Print\nThe cardboard can keep open after you graduate, however you'll not qualify for the good perks you get as a scholar. It is sensible to depart it open however not use it usually. It will assist construct your credit score rating by decreasing your credit score utilization. Now is a superb time to start out fascinated about your credit score rating, as shopping for a home might come quickly after school.\nAgain to high \u2191\nGreatest Financial institution for On-line Banking: PNC\nPNC Financial institution provides a Digital Pockets Pupil account that operates as financial savings and checking accounts, giving college students the very best of each worlds.\nEven higher? It has probably the greatest cellular apps out there, which is right for busy college students on the go. As a web-based financial institution, it's merely the very best. The account does supply one free overdraft forgiveness, which is nice for freshmen but additionally assumes it solely takes one offense to study the lesson. The penalty is steep, although, after that.\nPNC Digital Pockets Pupil Account: Key Options\nOne free overdraft refund\nNo month-to-month price\nMajor checking (Spend) mixed with short-term planning (Reserve) and long-term financial savings account (Development)\nMain cellular app with new Low Money Mode and all the standard options of on-line banks (account stability, cellular test deposit, and so forth.)\nProfessionals\nMonth-to-month charges: $0\nMinimal stability requirement: $0\nBodily branches: In roughly half the nation\nOverdrafts: First occasion forgiven\nAPY: 0.40% for funds in Development\nCons\nOverdraft charges: $36 after the primary forgiven price, with the potential for 4 in someday\nATM charges: Solely $5 monthly ATM surcharge reimbursement and solely 18,000 in-network ATMs.\nNice Print\nThe overdraft forgiveness is what units this account other than the opposite Digital Pockets accounts. Nonetheless, it\u2019s a one-time deal, and the opposite Digital Pockets accounts get 4 instances extra ATM price reimbursement. If ATM utilization is vital, simply go for the common account.\nAgain to high \u2191\n Getty PhotosGreatest Financial institution for Studying Private Finance: Chime\nChime is certainly not a student-exclusive checking account, nevertheless it\u2019s positively geared towards newer savers preferring a web-based financial institution. Its academic content material and useful saving options make it nice for these simply determining private finance.\nThe web financial institution proudly boasts no hidden charges, early direct deposits, credit-building instruments and extra. We advocate each the Chime Spending Account and the Excessive Yield Financial savings Account.\nChime Financial institution Accounts: Key Options\nStraightforward strategy to develop financial savings with respectable APY for high-yield financial savings\nNo month-to-month charges\nNo minimal stability necessities\n\u201cSpherical up switch\u201d function that rounds up Spend account purchases to nearest greenback and deposits within the financial savings account\nEntry to direct deposit paychecks two days early\nSpotMe overdraft safety as much as $200\nEntry to 60,000 fee-free ATMS\nProfessionals\nAPY: 0.50%\nMonth-to-month charges: $0\nMinimal stability requirement: $0\nMinimal deposit requirement: $0\nOverdraft charges: None if buy is underneath $200\nATM charges: 60,000 in-network ATMs\nCons\nChecking account: No curiosity earned\nBodily areas: None\nCustomer support: Not extremely rated\nNice Prints\nSure circumstances apply to the SpotMe overdraft safety. Out-of-network ATM surcharges apply with no reimbursement.\nChime is an online-only financial institution; properly, really, it's not a financial institution in any respect. It's a monetary know-how, or fintech, firm. This makes customer support difficult and limits entry to banking providers.\nAgain to high \u2191\nGreatest for Younger College students: Capital One\nVia the majority of this text, we now have talked about scholar accounts for prime schoolers and school college students. However the Capital One MONEY Teen Checking is definitely nice for fogeys who wish to begin educating their youngsters accountable cash administration early. You may open a Capital One MONEY Teen Checking for youths 8 and older. After they hit 18, they'll roll the account over right into a Capital One 360 Checking account, which is definitely an awesome account to have as an grownup.\nCapital One MONEY Teen Checking Account: Key Options\nFor teenagers 8-18\nTremendous handy with branches nationwide; excellent for the transition when shifting away for faculty\nChecking account APY\nEntry to 70,000+ ATMs\nNo month-to-month charges\nNo minimal balances\nProfessionals\nAPY: 10%\nMonth-to-month charges: $0\nMinimal deposit requirement: $0\nMinimal stability requirement: $0\nATM charges: Entry to 70,000+ in-network ATMs\nParental controls: Sure\nCons\nFinancial savings account: None particularly for college students\nSchool college students: Not out there; should roll into new account\nNice Print\nMother and father do not want a Capital One account to open the Teen Checking account, although it could actually be extra handy. There are additionally no international transaction charges, which makes the account handy for research overseas alternatives.\nHow We Selected These Pupil Financial institution Accounts\nWe centered totally on scholar checking accounts. Ideally, college students will even open their very own financial savings accounts, however before everything, they should get snug with managing cash for paying payments. The financial savings can come later. Thus, scholar checking accounts had been the highest consideration. Alongside these strains, we didn't think about cash market accounts.\nUpkeep charges are a deal breaker. Most highschool and school college students don\u2019t have plenty of discretionary funds, so a month-to-month cost can take its toll.\nMany college students will overdraft. So much. It\u2019s OK, no disgrace. The very best scholar checking accounts have some sort of overdraft safety or forgiveness.\nThe extra branches and\/or free ATMs out there as a part of a scholar checking account, the higher. College students might at the moment be (or quickly be) splitting the 12 months between their school city and hometown, really easy entry to funds is vital. As a degree of comparability, mega-institution Financial institution of America has 16,000 in-network ATMs. Capital One has 70,000 and Chime has 60,000.\nSome college students don\u2019t manage to pay for a minimal deposit, so we favor scholar accounts and not using a minimal deposit requirement.\n Getty PhotosRegularly Requested Questions (FAQs) About Pupil Financial institution Accounts\nHave questions on opening your new checking account? We\u2019ve answered a few of the commonest questions that college students are asking.\nWhy Ought to I Open a Pupil Account As a substitute of a Common Account?\nBasically, scholar financial institution accounts are fee-free or have decrease charges that profit college students who is probably not coping with as a lot cash as older clients. As well as, many banks now supply academic content material inside their cellular apps that may assist college students navigate the intricacies of private finance. Lastly, they usually don't have any or a low minimal opening stability, which will be nice for college students simply beginning out on their financial savings journey.\nWhat Occurs to My Pupil Account After I Graduate?\nThis varies by financial institution. Some banks and credit score unions will roll the account over into their typical checking or financial savings accounts whereas others will depart the account as-is however will start charging totally different month-to-month upkeep charges.\nTake note of what the phrases are primarily based on age and scholar standing. Chances are high good, when you\u2019ve graduated, you need to be trying into closing the account and discovering a high-yield financial savings and checking account combo that rewards you for good banking.\nWhat Are the Greatest Banks for College students?\nThis actually will depend on your wants as a scholar. In our listing of the very best banks for college students, we\u2019ve given you our general decide, however we even have particular winners for faculty college students, highschool college students, savers, spenders and extra. Take into consideration what you need most out of your scholar checking account earlier than deciding.\nHow Do I Open a Pupil Account?\nMost banks will let you open an account on-line. You\u2019ll simply want fundamental data, like a social safety quantity. Nonetheless, there are a few caveats:\nSome scholar financial institution accounts require joint possession with a mother or father, which means you\u2019ll must work with them to open it.\nWhen you have chosen a financial institution with bodily areas, I extremely counsel opening in individual so you'll be able to ask questions as you go.\nWorldwide college students who wish to financial institution within the US usually should open an account in individual.\nTimothy Moore covers financial institution accounts for The BaghdadTime from his residence base in Cincinnati. He covers a wide range of different matters, together with insurance coverage, taxes, retirement and budgeting, and has labored within the area since 2012. Former contributor Jake Bateman additionally contributed to this report.\u00a0\n\n\n        \n\n            \n        \n\n        \n                    \n\n        \n\n                 \n        \n            \n                \n    \n        \n        Able to cease worrying about cash?\n        Get the BaghdadTime Every day\n        \n        Privateness Coverage\n        \n    \n\n            \n        \n        \n        \n        \n    \r\nSource link ","publisher":{"@id":"#Publisher","@type":"Organization","name":"Baghdad Time","logo":{"@type":"ImageObject","url":"https:\/\/baghdadtime.com\/wp-content\/uploads\/2021\/04\/Fichier-11.png"},"sameAs":["https:\/\/facebook.com\/NewsFeedHubCom","https:\/\/twitter.com\/NewsFeedHub","#","#"]},"sourceOrganization":{"@id":"#Publisher"},"copyrightHolder":{"@id":"#Publisher"},"mainEntityOfPage":{"@type":"WebPage","@id":"https:\/\/baghdadtime.com\/7-best-banks-for-students-in-2021\/","breadcrumb":{"@id":"#Breadcrumb"}},"author":{"@type":"Person","name":"ghaith","url":"https:\/\/baghdadtime.com\/author\/ghaith\/"},"image":{"@type":"ImageObject","url":"https:\/\/baghdadtime.com\/wp-content\/uploads\/2021\/10\/teens_best_bank-final.jpg","width":1200,"height":800}}</script>
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