What should students do if they encounter unexpected charges in their bank accounts?

When students encounter unexpected charges in their bank accounts, the most prudent course of action is to contact the bank for clarification and resolution. This is important because financial institutions can provide specific information about the charge, including whether it was a mistake, an authorized transaction, or a case of potential fraud. By reaching out to their bank, students can resolve any discrepancies quickly and ensure their account remains secure.

Taking prompt action also allows students to dispute unauthorized charges if necessary, which is essential for protecting their financial well-being. Additionally, many banks have protocols in place to handle these situations efficiently, which can prevent further complications and potential losses.

The other choices do not adequately address the seriousness of unexpected charges. Ignoring them can lead to further financial issues or missed opportunities to resolve errors. Waiting for charges to resolve on their own might result in incurring additional fees or complications. Changing banks immediately is typically not a necessary step and can lead to further inconveniences, as students still need to address the current issue with their existing account.