Student Checking

Smart money habits starts here.

Whether you're becoming a teenager or cashing your first paycheck, our Student Checking Account is built to grow with you. Designed for ages 12 to 22, this account gives students real banking experience with modern features and parental peace of mind.

Key Features

  • Really High Interest
  • No Monthly Maintenance Fee
  • Personalized Debit Card
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Parental oversight tools including card controls & account monitoring

Financial literacy weekly tips in mobile app and online banking

Free Visa® debit card with UChoose Rewards to earn CASH BACK

Other great features:

  • Free checking that pays high interest
    • 5.00% APY* on balances up to $25,000
    • 5.00% to .50% APY on balances over $25,000 depending on balance in account*
    • 0.01% APY* if qualifications aren't met
  • Refunds on ATM withdrawal fees, nationwide (up to $15 monthly)*
  • No minimum balance to earn rewards
  • No monthly maintenance fee
  • Personalize your debit card for $5
  • Free digital banking, including:
    • Online banking
    • Mobile banking
    • eStatements
    • Digital debit card controls
    • Zelle® available
    • Credit score monitoring
    • Mobile wallet (Apple Pay, Samsung Pay, Google Pay)
  • Free telephone banking
  • Kasasa Protect® fraud protection available
  • $100 minimum deposit to open

It’s easy to earn rewards.

Enrollments must be in place and all of the following transactions and activities must post and settle to your Student Checking account during each Monthly Qualification Cycle:

  • At least 1 direct deposit or ACH payment transaction
  • At least 12 debit card purchases
  • Be enrolled in and agree to receive eStatements

And if you don’t meet these qualifications, don’t worry — your account is still free. Plus, you’ll still earn our base rate. And you can get right back to earning your full rewards the very next cycle that you qualify.

Here's how to manage you and your student's debit card

 

 

 

 

 

 

 

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 *APY=Annual Percentage Yield. APYs accurate as of 12/06/2024. Rates may change after account is opened. Minimum to open is $100. If qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $15 ($4.99 per single transaction) and credited to account on the last day of monthly statement cycle; (2) balances up to $25,000 receive APY of 5.00%; and (3) balances over $25,000 earn 0.50% interest rate on portion of balance over $25,000, resulting in 5.00% - .50% APY depending on the balance. If qualifications are not met, all balances earn 0.01% APY. Qualifying transactions must post to and settle account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. ATM-processed transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Transfers between accounts do not count as qualifying transactions. Fees may reduce earnings. ATM fees ($4.99 or below) generated by Automated Teller Machines located within the United States will be refunded (up to $15) when the qualifications are met each cycle.