Never go over your overdraft
This rule applies to everybody, not just students. If you go beyond your overdraft limit you will get charged. Check your balance regularly to avoid accidentally going over the limit, and always ask for help should you anticipate a problem.
Prepare to be credit checked
Whether it’s an overdraft, credit or store card, the bank will run a credit check to see if you meet their criteria. A credit check looks at your past financial habits. If you don’t meet their criteria, you may be turned down.
Don't pick a bank just because it's close
You can withdraw cash free of charge from any banks ATM and almost any bank gives online access so it doesn’t matter which bank has the closest branch. It's more important that you choose a bank that offers the best services for your situation.
When you graduate, switch to a new account
Most accounts allow you to access interest free overdrafts for a year after graduating. You can then pay this off gradually. Just remember not to build your overdraft to a level that you will struggle to repay.