If you are prior service do NOT let them change your bank account on R-Day. Again, do NOT change it. My DD decided to “go with the flow” and use PenFed. Her pay is still jacked up. She has not seen a dime of the $ from leave she was forced to sell back to the Army (her unit dropped the ball on her orders for West Point so she was forced to sell back two weeks of leave). In addition her Cadet pay was being taxed at her old enlisted grade until recently. Keep an eye on your finances when you first get there and be aware it may take numerous trips to finance and Cadet accounting to get it fixed. Don’t worry, as a Plebe you will have nothing else to do but make numerous trips to see them.