onday. August 2S. lybO-The Daily Tar Heel NewsA-1 5
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Cy SUSAN R1AUNEY - -:.:r
Vd;cr
To paraphrase zn eld sons, love may be a thrill,
tut it won't pay your bills. To stay a student at UNC,
ycu r.::d rr.cr.sy.
And to ct it, having a local checking and savings
account makes life a lot easier.
Six banks have branches in Chapel Hill and
drrboro. None offer free checking to students, but
seme offer free checks with new accounts. Service
charges on these accounts rane from 13 to 15 cents,
with a SI monthly maintenance fee.
Service charges usually can be avoided, though, if
a minimum balance is kept in the account.
Local banks offer overdraft protection, in the
form of a cash reserve account. Customers seeking
this service must be approved by the bank.
Mastercard and Visa are also subject to bank
cpproval. '
- Three area banks offer 24-hour service, with
another slated to begin round-the-clock service in
early October. All mail out account statements
monthly.
There are also four savings and loan associations
in the Chapel Hill-Carrboro area.
Here is a list of Chapel Hill and Carrboro banks
and their student services:
Central Carolina Bank: Service charge is 16 '
cents per check. Free checking requires a daily
minimum balance of $200, a monthly balance .of
$750 or $200 in a regular savings account. "Silent
Partner" cash reserve is available by application.
Mastercard and Visa are also available. Statements
are mailed out monthly. CCD's main office is at
University Square, with branches at Eastgate
Shopping Center, University Mall and 615 W. Main
St. in Carrboro.
First Citizens Bank and Trust Company: Service
charges are 14 cents per check with a monthly
account maintenance fee of. $1. Free checking is
available with a $200 checking account balance, or an
average montly balance of $500. Applications are
necessary for cash reserve service and for Mastercard
and Visa. First Citizens' 24-hour service begins early
Octobdr. Branches are located at 134 E. Franklin St.,
University Mall and at East Franklin and Elliot
Road. .
First Union National Bank: Service charges are
15 cents per check and there's a montly $1
maintenance fee. Free checking is available with $200
in savings or in checking. Applications' are required
for cash reserve and Mastercard or Visa card services.
The office is located at University Mall.
North Carolina National Bank: Service charge
of 15 cents per check, and a $1 monthly account
maintenance fee. Free checking Is available with $200
in a regular srrlr.s account. Student Visa cards are
available, if the student has a steady source of
income while enrolled. Cash reserve is available for
professional and graduate students. NCNB has
24-hour service at three of its six load branches for
withdrawals of up to $100. Branches are located at
137 E. Franklin St., Eastgate Shopping Center, Glen
Lennox Shopping Center, University Mall and USE.
Main St. In Carrboro.
i
Northwestern Bank: Service charge of 15 cents
per chsclc after account balance drops below $100.
Free checking may be obtained with.$200 in a regular
passbook savings account, or when qualifying for
cash reserve. Mastercard is also available by
qualifying for cash reserve. Visa is also available, but
without cash reserve privileges. Branches are located,
at 105 E Franklin St., Kroger Plaza and at Weaver
and Greensboro streets in Carrboro.
i -
Va;chovia Bank and Trust Company: Service
charges 1 of 15 cents per check and $1 monthly
account maintenance charge. Free checking available
with a &200 balance in savings or a $300 checking
balance. Cash reserve accounts require an
application, as does Mastercard services. Both
Chapel Hill branches offer 24-hour service with
maximam daily withdrawals of $200. Branches
located at 165 E. Franklin St. and at University Mall.
1
Denica Klrfcpstrlck
...uccs 24-hour bsnk service
available
By SUSAN MAUNEY
StfiffWriier
Returning to school for many students
means catching up on old friendships,
calling in for the first delivered pizza and
finding out where the evening's parties
are. To do any of this, a telephone is
essential.
" On-campus students may have their
phones hooked up by filling out an.
application card in the dorms and
returning it to their resident advisers.
Off-campus students should go to the
Southern Bell Phone Center at 206 W.
Franklin St. to fill cut an application,
said Mike Carson, spokesman for
Southern Bell.
'The offcampus connection fee is
' $18.20 if a customer picks his phone up
f Cthc phone center, Carson said.
;. The on-campus connection is $15.20.
The monthly base rate for both on- and
off-campus customers is $7.90 and an
additional 75 cents for each name listed
by Southern Bell at the number.
Dorm residents do not get a choice in
phone styles because on-campus phones
are permanently installed in the dorm
rooms.
But off-campus customers may
choose the type of phone they want
when they go to the phone center.
"Most apartments are modular wired so
the phones can be plugged in," Carson
r snid. A standard Trimline phone is
, ; ff;rcd in any color with phone service,
Lut costi tor other types and extensions
are higher.
TPh ' 77 77 V
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Ey KOCIIELLE RILEY -,
Staff Writer ,
If you're headed downtown, you'll probably want to leave
your beer (and any other alcoholic beverage) at home. Or you
may become a victim of Chapel Hill's public drinking policy.
Local statutes make it unlawful to consume alcohol on
sidewalks, streets, parking lots or other public places.
A clause recently was added to those statutes Stating that it's
also illegal to drink alcohol in any public parks or recreation
areas.
Violators of this law will be arrested and Fined, said Dave
Hill, administrative officer for the Chapel Hill Police Depart
ment, j
"It is legal to carry it as long as you don't Idrink it," Hill
said. 1
The police department will be increasing downtown patrol
on beer outlets in Chapel Hill, he added,
" "As of late, we have had complaints locally of people selling
to minors," Hill said. "We will be enforcing strict carding and
selling to minors." '
The police also will be enforcing littering laws and disorderly
1 conduct statutes. ,
There have been a lot of broken beer bottles and glass on the
streets," Hill said. "And the past six weeks, we've had a lot of
frays and fights from people who have had a couple of beers
too many."
cliinnn&es
Drinking cn prlvsta property Is OIC
...but don't do it in public
1 f
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Senior Susan Vcbbfstcn's phono works
...it's one of many to be installed
"After the dust settles, we will
probably have connected 7,000
phones," Carson said.
Carson said all phones should be
connected within two or three days from
the time the phone company receives an
application. The rush period for
Southern Bell should be over around
mid-September, and "we'll have a little
more gray hair after it all," Carson said.
Cancer h often curable,
. ' Your help counto.
The fear of cancer is often fatal. I
American Cancer Society:;;
v
Open 7 days a week
11 a.m. til 1 a.m.
Just . down from
the Post Office on
Franklin Street
929-7202
' 929-7290
SADLACK'S" KEEOES AMD, DE
Attitude Adjustment Period
7 Days A Week, 7 p.m.-l a.m.
For insightful analyses of what's going on around the University and around the world, read
Locally," "The State," and "At Large" every Friday on the The Daily Tar Heel editorial pare.
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