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Student Checking Account

Designed for teens

With a Student Checking account, your teen can practice managing their money responsibly.


No monthly fees

There are no monthly fees with a Student Checking account.


No minimum balance

No low account balance worries. As long as it's positive, you're set.


Free debit card

With a free debit card, your teen has easy access to funds.


Cash back

Earn cash back on qualifying debit card purchases.1


Earn dividends

Earn dividends when a $2,500 minimum monthly balance is maintained.2


No-fee ATMs

There are no fees at Moneypass® Network ATMs.3

Today's rates

View more rates
As high as % APY4

Calculate your monthly savings5

Final Balance

Contributions:     |    Earnings: 
Free Overdraft Protection

Everyone makes mistakes

Student Checking accounts are all about learning. We don't charge overdraft fees in many situations, if your child accidentally depletes their account.6

Online Banking

Learn to manage spending

Teens can monitor their account 24/7 with free online banking. Plus, parents can log in to oversee the account and help ensure there aren't any surprises.

Daughter on mother's shoulders outside

Best place to bank at. The staff is super nice and actually helped save us money.

— Google Review

How it works

It's easy to get a Student Checking account.

  • 1

    Complete an application

    Teen and secondary account holder (parent or guardian) apply at a branch or through video banking.

  • 2

    Open an account

    Make your initial deposit to officially open your new account.

  • 3

    Manage finances

    Your teen can use the account to manage their finances and learn how to save and spend.

Schedule an appointment

Have questions? We're here to help!


Schedule an appointment


Schedule now


Meet virtually


Video Banking


Give us a call


Call 1-800-296-8871

Learn to spend smart


Spending money responsibly is a skill. With no monthly fees and limited overdraft charges, teens can learn healthy habits in a safer environment.


Schedule an appointment


1 Earn $0.10 per signature-based debit card transaction of $20 or more, up to $25 per calendar month and $300 per year.
2 Daily balances of $2,500 or more earn interest when held in a money market account. Daily balances below $2,500 do not earn interest.
3 Members Cooperative Credit Union is a participant in the MoneyPass ATM network. If a location has more than one ATM, look for the appropriate logo at the ATM or on the ATM screen.
4 APY is the Annual Percentage Yield. The stated APY is effective as of June 12, 2024. The APY is variable and may change at any time, and the rate may change after the account is opened. Fees may reduce earnings.
5 The calculator is provided for informational purposes only and any calculation is solely an estimate based on the information you provide. There is no guaranteed rate or earnings on a checking account. Contact Members Cooperative Credit Union at 1-800-296-8871 for more information.
6 Overdraft services are subject to Members’ overdraft governance documents.

Membership required and subject to account requirements.

Use of online or other electronic services may require specific hardware and software and your agreement to certain terms and conditions. Access is subject to the availability of the internet, cellphone and network coverage and plans, and typical service interruptions stemming from your providers or the credit union’s providers.

Video Banking

Juneteenth Holiday Closure All offices will be closed Wed., 6/19, for Juneteenth. β€―ATMs, mobile services, and online banking are available 24/7. View all our holiday closures.