Youth and student

Student Checking

Ages 16 to 24, zero fees

Free banking for ages 16 to 24. No fees of any kind, nudges before you run low, and an optional parent co-view for members under 18. At 25 it turns into Everyday Checking automatically, still free.

APY: 0.05%
Monthly fee: $0
To open: $5

Open it as a member Compare all accounts

A student in headphones smiling at her phone at a library study table

Sample rate · October 2026

What you get

No fees of any kind, including our overdraft-transfer fee
Balance nudges before you run low
Debit card with an optional parent co-view under 18
Turns into Everyday Checking at 25, still $0 a month

Best for: High school and college members earning their first paychecks.

Fees and terms, in plain English
Item	Cost
Monthly fee	$0
To open	$5
Overdraft transfer fee	$0
Fee on a declined transaction (NSF)	$0
Replacement debit card	$0
Parent co-view (under 18)	Free, optional

Sample figures for a fictional credit union, as of October 2026. APY means annual percentage yield. Rates are variable and can change after the account is opened. Fees could reduce earnings.

Questions

What members ask about Student Checking

Still wondering? Read the full FAQ or ask a person.

Can I open one if I'm under 18?

Yes. Members who are 16 or 17 open Student Checking with a parent or guardian as joint owner. The co-view lets the adult see activity without sharing a login.

What happens when I turn 25?

Your account switches to Everyday Checking on its own. Same account number, same card, and still no monthly fee.

Do I need a job to open it?

No. Any money counts, whether it's a paycheck, birthday money, or a summer job.

Pairs well with

Also in youth and student: First Nest Youth Savings

Open Student Checking in about ten minutes

Membership starts with a $5 share. Add Student Checking on step two of the application, or open it at any of our five branches.

Become a member Not sure? Take the quiz