银行 & 钱
The 全球教育 Office has put together a short guide to help explain the American 货币体系. This page also provides some useful information on banking, taxes, direct deposit, fees, and tipping.
- 25美分——25美分
- 10美分——一角钱
- 5美分是5美分
- 1美分——一便士
The 8590海洋之神官网 业务办公室, located in Bunting Hall, handles all fees 和支付. As a new student, if you have a balance on your student account the 业务办公室 is where you can go to pay it. Tuition, housing, fines and other charges you put on your student ID card will need to be paid to the 业务办公室.
Most students find it useful to have a bank account while attending college, especially if you cannot constantly write home for funds. A bank account in the vicinity of the college is very useful to have to deposit or cash checks, or to have money transferred 从家里.
切斯特敦的银行
Truist银行
华盛顿大道501号
410-778-2900
PNC银行
华盛顿大道803号
410-778-6110
The best checking account options are those with no monthly service fee, no required deposit amount, and no fee for any written checks.
直接存款
If you acquire employment at 8590海洋之神官网 (F-1 students and one year J-1 students) you must have your checks deposited directly into your account. It is extremely convenient — it saves you time and energy since you do not have to run over to the bank every time. Your checks will be sent directly over to your account.
账户
There are several types of accounts although each bank has slightly different policies governing its accounts. Always inquire about a bank’s services before deciding on the type of account you wish to open. Take some form of identification when you open 一个帐户. If you are a foreign citizen, take your passport and another acceptable form of identification such as your college I.D. from 8590海洋之神官网
If you have an international credit card, bring it with you. 最好是有 a credit card in case of an emergency than to not have one. 你可以试着获得 a credit card here; please bear in mind that credit cards are sometimes refused to International students. Annual fees and interest 利率 vary with the banks. 账单 paid on time are not charged any interest. If you have a credit card, remember that you will have to pay the bill at the end of the month!
费用
They are often fees associated with opening a bank account. 这些包括:
- Monthly charge for having the account
- Charges for specific transactions
- Charges for overdrawing on your account
- Charges for not having enough money in your account
Before you open 一个帐户, ask about the fees associated with the account and if there is a special account for students, where some of these fees can be waived.
劳动所得税
Non-immigrant students on a J-1 or F-1 visa must file Federal Tax returns if they earn money in the United States. You are liable for Federal and State taxes, but not for Social Security (FICA) taxes (unless you are considered to be a “resident for tax purposes” by the IRS, usually if you’ve lived in the U.S. 5个历年 或更多).
了解更多关于 international student taxes and your responsibilties as an international student.
销售税
The Maryland sales tax is 6% of the price and this applies to all items. 销售税 are regulated at the state level, meaning different states have different sales tax 利率.
This small fee is a means of showing gratitude and it usually amounts to 15% to 20% 账单的一部分. In some places, however, students can get away with tipping less. 人 你在美国给小费.S. are: waiters, taxi drivers, porters, doormen, coat-check 人; you also tip for personal services such as barbers, beauticians, and food delivery 人.
人 you do not tip include: customs officials or other government employees such as policemen or firemen, mailmen, airline personnel, room clerks or other 人 at hotel desks, bus drivers, store clerks, gas station attendants, theater ushers and 接待员. It may be hard to know whom to tip and what is considered a proper tip, so if you are having difficulties ask a friend for advice.