University Daily Kansan, August 18, 1983 Page 3
Students' banking varies
By GUELMA ANDERSON Staff Reporter
Money is the lifeblood of college.
How else can students get the books, the supplies, not to mention the pizzas and beers, that are vital to the college experience?
But after students beg, borrow and work for those dollars the problem is哭
The key to choosing the right checking account is to assess the amount of your deposit and how often you are made, according to area bank officials.
LAWRENCE HAS FOUR banks and four savings and loans that offer a myriad of checking accounts to fit any deposit.
Most accounts charge for monthly service if a deposit goes below the minimum amount required, and some accounts charge a fee for each withdrawal.
FOR EXAMPLE, a student who plans to maintain an account of $300, but makes at least five withdrawals each week, would not benefit from a 20-cent charge for each withdrawal in addition to a monthly service charge.
The plans that require these types of fees and charges would benefit students who have a large deposit and who plan to withdraw at the minimum of five withdrawals each month.
Also, students who can maintain a checking account balance of $300 to $500 or more would benefit from checking accounts that earn interest.
Ruby Freels, vice president of Lawrence National Bank, said, "Students are generally on a fixed income. They have bills to pay and write the checks before they get the money from home."
MOST BANKS AND savings and loans look at the history of each account and then decide how the matter of too many overdrafts will be handled. After nine or 10 overdrafts, most will send a warning letter, and then if the overdrafts continue, the account will be closed.
The other consideration is the need for automated teller service. The working hours of banks are known to coincide, so 24-hour teller service can be convenient for those who make withdrawals at old hours.
To make the decision easier, here is a list of all the Lawrence banks and savings and loans and their basic checking account plans.
- Douglas County Bank, 15th and Kasold streets.
Personal account — $ 800 minimum deposit, no service charge below; $ 500 deposit, no service charge below; $ 100 deposit, no service charge below.
Special account – no minimum required; a fee of 30 cents for each check
Interest account — $2,000 minimum deposit, no service charge; below $2,000, service charge of $6 a month; earns 5% per interest period.
Money Market — $2,500 minimum deposit, $3 service charge and an fee of 15 cents for each check. Earns federal interest rate.
Overdrafts - $10.
Automated Teller — three locations called 'Doug'; no extra charge for
- First National Bank, 900 Massachusetts St.
Regular account — no service charge for deposits more than $400; $2 service charge for deposits of $300 to $400; $3 service charge for deposits of $200 to $299. $4 service charge for deposits of $15 less. A fee of 15 cents for each check.
Economy account — $1.50 service charge for five withdrawals a month, and a 30-cent fee on each check.
Overdrafts — $9.
Automated Teller — Zip machines; no extra charges for services or card.
· Lawrence National Bank, 647 Massachusetts St.
Regular account = $500 minimum deposit, no service charge; below $1000
NOW account — $1,000 minimum deposit, no service charge; below $1,000, service charges of $5 and $10. Earns 5<sub>3</sub> percent interest.
Overdrafts - $15.
Automated Teller — four locations called 'InstaBank'; $5 charge for the card; no charge for service.
- University State Bank, 955 Iowa St.
Regular account - $200 minimum
deposit, no service charge; below $500 a month, a service charge of $1 to $5.
NOW Account — $800 minimum
deposit, no service charge; below $800.
service charge of $5 and $6.50. A fee of 15 cents for each check; the first 40 withdrawals free. Earns 5 $\frac{3}{4}$ percent interest.
Overdraft $= 10.50$
Automated Teller — three locations called 'Ultra Service'; no charge for services or card.
Overdrafts — $7.50.
*Lawrence Federal Savings, 901 Vermont St.
Easy NOW Account — $300 minimum deposit, no service charge; below $300, a service charge of $4. Earns 5¾% per interest.
NOW Account — $750 minimum deposit, no service charge; below $750, service charges of $4 and $6. Earns 5 3/4 percent interest.
Overdrafts — $8.
Super NOW Account — $2,500 minimum deposit to open the account, no service charge; below $300, a service charge of $4. Earns 5 ¾ percent interest daily and federal interest annually.
- Capital Federal Savings and Loan Association, 1046 Vermont St.
Regular Account - $500 minimum deposit, no service charge; below $500, service charges of $2 to $6.
Overdrafts — $10.
Automated Tellers — nine locations;
no charge for card, or service.
- Anchor Savings Association, 900 Ohio St.
Premier Account — No minimum
required; $5 service charge.
Earns 5 ¾ percent interest.
Safekeeping Account — $ 500 minimum deposit; the service charge. Earns
Check-Return Account — $700 minimum deposit; $4 service charge. Earns 5¾ percent interest.
Overdrafts - $8.
- American Savings Association of Kansas, 2435 Iowa St.
American Charter Account = $1,500
minimum deposit, no service charge.
American Convenience Checking — $000 minimum deposit, no service charge; below $500, $4 service charge. Earns 5¾% interest.
American Unlimited — no minimum deposit required, $4 service charge. Expires March 31, 2016.
Overdrafts — $8; first overdraft is free.
Automated Teller — available in September.
How to get from here to there
Staff Reporter
By SHAWNA SEED Staff Reporter
For a student without a car, Kansas City or Topeka can seem hundreds of miles away. However, the lack of a car is one of the reasons that puts those cities out of a student's reach.
Whether going to the Renaissance Festival, Royals' Stadium, the State Capitol Building or shopping centers, a park with its City or Topeka in a variety of ways.
For special events such as the Renaissance Festival, students often can find rides with organized groups. Residence halls and campus organizations often sponsor trips; some of these trips may involve residents or organization members. These trips often are packaged with ticket and transportation costs included. Others will charge a separate transportation fee.
ANOTHER WAY to find a ride .. Kansas City or TopeK is to check the ride-board on the fourth floor of the Kansas Union. If no one is listed as going to the right city at the right time, the student can fill out a ride-card and wait for someone offering a ride to call. Usually, riders share expenses.
Buses run from Lawrence to Kansas City 12 times daily, and to Topeka 10 times daily. According to Ralph Henne, a ticket agent at the Union Bus Depot, 1401 W. Sixth St., fare to Kansas City, Mo. is $7.50; fare to Kansas City, Kan. is $4.25; and fare to Topeka is $3.60. Mo. has tickets, but rides buy their tickets during the depot's business hours, 8 a.m. to midnight daily.
Those willing to spend more money on rides can rent cars from one of the 14
car rental companies in Lawrence.
Most of the local car dealerships rent cars. A unique car rental firm is offered by a private, St. J. specializes in antique car rental.
For many students, Lease-A-Lemon Inc., 705 W. 9th St., is a popular rental choice because it features lower rates than other companies, according to Cowdin, an agent for the company. Cowdin, at $9.35 a day, and 10 cents a mile.
STUDENTS NOW HAVE a travel option that they did not have at the end of last semester. Capitol Air Lines began direct commuter air service to Kansas City in July, replacing Lawrence Aviation, which closed in April. Capitol flies to KCI seven times daily. One a-wave ticket costs $25.
Capitol also has service to Topeka, Salina and Manhattan.
Renaissance
From page 1
Phoebes Babes is the name of Herschman's Lawrence business, and that also will be the name of her shop at the festival, she said.
Games of ancient times and some with modern modifications also are provided to entertain and test the skills of adults and children, Lee said
PONY AND ELEPHANT RIDES, a petting zoo with more than 50 animals, and Slay the Dragon are among the many games for children.
Archery ranges, Jacob's Ladder and chess games will entertain the adults in the crowd, he said.
There are many food booths and the edible offerings are quite diverse, Lee said. Anything from spicy Polish sausages, pizza on a stick and hearty turkey legs, to tempura, quiche and the food will be available, plus much more.
10 a.m. to 6:30 p.m., takes place on the grounds of the Agricultural Hall of Farm in Bonner Springs, which is just 7 miles from Kansas 7 (Bonner Springs) exit.
There also will be booths with fruit drinks, soft drinks and beer, Lee said.
Tickets are $6.95 at the gate or $6.25 in advance.
Advance tickets can be purchased at the Kansas Union, at Macy's, Sears and Jones stores. Students with school identities can enter the gate for $6. Children can get in for $3.
THE FESTIVAL, which is open from
From the pages of the Wichita Beacon Chinese Food: Taster's Delight
By M.F. West Wichita Beacon staff
The fall football season is here again and many of you Wichitans will be making the journey north to the University of Kansas for the names.
games.
While you're in Lawrence, you should try the cuisine of the Royal Peking Restaurant at 711 W. 32rd.
prepare “The President’s Dinner” the one served in Peking to children of China, journey to China, individual dishes on the card run from 40 cents for the egg drop soup to $15 for Peking Duck. Most are in the $3 to $4 range. On recent family occasions we will serve the dinners for three end for four.
The Chinese proprietor — we've been told the family came to Lawrence from Taiwan offers a dinner for three, for four and for five or more.
For $8 a person the chef will prepare "The President's Dinner"
the latter we began with the won
ton soup, which was brought to table only moments after wend'd ordered and our test had been poured into a pad. The Royal Peking provided two for the dollar with both a hot mustard sauce and a aliyang sweet clear sweet cream. We swept a crispy dish. The pork bits in the filling are well done but retain the flavor of the crisp and finely chopped vegetables in the roll only hint of being cooked.
We hardly had finished soup and roll when the main dishes arrived; the chicken was sub-treated subtly-prepared oyster sauce, bite-sized pieces of chicken prepared with mushrooms and vegetables including bamboo shoots, the Royal Crab meat, the medallion in size with a rich orange sauce and a sweet and sour pork.
While tastes are difficult to describe to others, it may be enough to say that each of these dishes is a savory tasting experience in itself.
On the latest visit to the restaurant (which is almost hidden in the kitchen) you can try to MAUPintours!) we ordered the dinner for three, beginning with hot and sour soup — very hot — and egg rolls and preceding with fried rice with chicken and miso broth. Beef chicken with green pepper (pepper which was precisely touched by heat of cooking but without being either cooked or raw) were much like dishes in the other dinner but with some subtle differences. The net result of both evenings was a diner experience and a considerable gustatory satisfaction.
The Royal Peking decor is modest with wall hangings and lamps to嬉趣. Of Oriental character, the pleasure overpower the pleasure of dining.
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