[msutherl]

I don't know much about banking, but what you say is definitely not true of programming. It's just not competitive like that. So, I might say it would be wise to go for the banking internship. If it doesn't work out, programming is easy to get into at any point.

Also, don't forget that "working hard" is more of a signal than a legitimate ethic – a signal that you can be used. Try to take some time for yourself. Walk around and really look at the world. Think about the meaning behind things. In the time you spend doing this you'll acquire wisdom that will be essential later on.