Our free Student Checking Accounts are designed with your generation in mind. Lots of time-saving tech, a free debit/ATM card and plenty of other perks.
- Set up recurring transfers to keep feeding your savings account
- Use our app to deposit checks, move money and more
- Set up spending alerts so you know where your money goes5
- Make a budget online and track all your progress
- Withdraw cash through a network of 80,000+ fee-free ATMs nationwide*
- No monthly service fee for students.
- Identity and theft monitoring services1
- Credit report and credit score access2
- Mobile phone protection3
- Buyer's protection and extended warranty3
Free Student Checking Account Benefits Include
Online & Mobile Banking
Manage your finances 24/7. Check balances, pay bills in minutes and deposit checks from anywhere.
Save paper, save time and get up-to-date financial data when you access your monthly account statements on your computer or mobile device.
Free Debit Card
Make fast purchases anywhere Mastercard is accepted. Link your card to your smartphone for one-tap payments. Access cash through a nationwide ATM network.
Sign up for electronic notifications that let you know about low balances and other important account activity.
No Fees, No Kidding
Keep more money for yourself & your plans with a free student checking account. There are no monthly fees here slowing you down.
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Credit Union Student Checking Account FAQs
Just use your debit card to pay for items and services and you get an extended warranty or the extra insurance for up to a year.
Absolutely! You can set up overdraft protection6 from a savings account or line of credit, and we can transfer money into your account for a fee of only $5. If you have Secure Plus, it costs only $1. But if you don't have the funds in any account, you may still be able to sign up for Privilege Pay7 for $35 per transaction.
Opening an account requires a minimum deposit of $25. Otherwise there are no minimum balance requirements, making this a great checking account for college students.
Confidently check your balances, transfer funds, pay bills, or see your statements - anytime, anywhere with Digital Banking!
Enroll now or sign in to get started.
There are a few ways to get your checking account number. You can log into Online Banking, click on your checking account, and above your recent transactions you will see your 13 digit checking account number above your Current Balance. This is the information you need to provide for making payments from your checking or getting a direct deposit.
You can also get your account number from the bottom of your checks.
If neither of these methods applies to you, please contact us and we will be happy to assist you.
Are you eligible for membership? See our Membership Eligibility
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*Surcharge-free ATMs are available through AllPoint and MoneyPass networks. Visit allpointnetwork.com or moneypass.com to find one near you.
1 Eligibility: Benefits are available to personal checking account owner(s), their joint account owners and their eligible family members subject to the terms and conditions for the applicable Benefits. Some Benefits require authentication, registration and/or activation. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts, organizations and/or churches and their members, or schools and their employees/students. Family includes: Spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) of the account owner who are residents of the same household.
2 You will have access to your credit report and score provided your information has been verified by the credit reporting agency (CRA). Credit score is a VantageScore 3.0 based on Transunion data. Third parties may use a diﬀerent type of credit score to assess your creditworthiness. Free credit reports are available under federal law at AnnualCreditReport.com.
3 Special Program Notes: Please refer to your actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Insurance Products are not insured by the NCUA or any Federal Government Agency; not a deposit of or guaranteed by the credit union or any credit union affiliate.
4 Plateau Insurance Company of Crossville, TN will be the Accidental Death & Dismemberment Insurance underwriter. If you wish to name a beneficiary, a completed beneficiary form is required. If there is no designated beneficiary on file, benefits will be paid according to the Master Policy.
5 Message and data rates may apply. Delivery of alerts may be affected or delayed by your mobile carrier’s coverage.
6 An overdraft fee may be imposed for covering overdrafts created by check or electronic funds transfer, including debit card transactions and Automated Clearing House transactions. If sufficient funds are not available, then any such item presented may be returned to the payee due to non-sufficient funds and all applicable fees may be charged to your Account as set forth in the Truth-In-Savings Fee Schedule.
7 This is an optional service on eligible Checking Accounts for each membership. Eligibility is at the sole discretion of the Credit Union and is based on you managing your Checking Account in a responsible manner. This service allows us to pay, at our discretion, any withdrawal order item (whether by check, electronic funds transfer, including ATM and everyday (one-time) debit card transactions and Automated Clearing House (ACH) preauthorized transactions) if you do not have enough available funds to cover the item(s) in your Checking Account. However, if you would like to include overdrafts for ATM and everyday (one-time) debit card transactions, you are required to “opt-in” (in other words, you must provide us with your affirmative consent) to the overdraft service. If we pay overdraft items for you, we will charge your Account an overdraft fee for each overdraft, as set forth in the Truth-In-Savings Fee Schedule. With Overdraft Privilege Pay, we will generally pay your overdraft items up to a total of $800.00; however, whether your overdrafts are paid is discretionary and we reserve the right not to pay an overdraft on your Checking Account. For example, we typically do not pay overdrafts if your Account is not in good standing, or you are not making regular deposits, or you have too many overdrafts. Accounts must be brought to a positive account balance within 30 calendar days.