What bank would be the best bank to set up a student account with?

I am a fulltime college student( no employment) who needs a good bank to deposit her student loan refund checks. I am looking for a good bank with low APR, low overdraft fees, low monthly service fees,savings and checking, and has low traveling outside of the US fees. I also don't know if I should get a debit card or a credit card, which one would be best for me?