Student checking accounts generally waive monthly fees and feature other perks such as free monthly withdrawals from ATMs owned by other banks. So if you’re currently enrolled in college, you’ll probably find the best deal on checking by choosing one of the student checking accounts in our database, or by looking at our picks for the best student checking accounts of 2026.
As you’re preparing your financial tools for college, you might also want to look at credit cards for college students, which can help you build a positive credit history that will help you get the best rates on loans in the future.
As you’re preparing your financial tools for college, you might also want to look at credit cards for college students, which can help you build a positive credit history that will help you get the best rates on loans in the future.
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Updating Checking Accounts
APY
0.00%
Monthly Fee
None
Signup Bonus
$125.00
Interest Rate Breakdown
| Balance | APY |
|---|---|
| $0+ | 0.00% |
- Minimum to Open: $0
Additional Info
- Your teen gets $125 when you open a new Chase High School Checking℠ account together with qualifying activities within 60 days of coupon enrollment.
- As a co-owner of the account, you must be present at account opening.
- $0 Monthly Service Fee
- Help your teen build good money habits with their own debit card. Plus, they can add their debit card to their digital wallet.
- With Zelle®, pay and get paid back from friends and family who have an eligible account at a participating U.S. bank. No fees and no waiting for days for money to hit their account.
- You and your teen can stay on top of their account activity by choosing which Account Alerts you both want to sign up for — such as low balance, posted payments, and more.
- Chase makes it easy for your teen to access their money from anywhere with the Chase Mobile® app, plus thousands of ATMs and branches.
- JPMorgan Chase Bank, N.A. Member FDIC
- Learn more about the Chase High School Checking℠
More Details
APY
0.50%
Monthly Fee
None
Signup Bonus
Up to $30
Interest Rate Breakdown
| Balance | APY |
|---|---|
| $0+ | 0.50% |
- Minimum to Open: $0
Additional Info
- Now college students can bank with SoFi! The SoFi Student Checking and Savings account is an online banking product that features two types of linked accounts. It combines the convenience of an online checking account and savings account.
- Earn up to 3.30% APY on your savings balances and 0.50% APY on your checking balances when you set up direct deposit.
- With SoFi Checking and Savings for students, you can get up to $30 by signing up and funding your account. Here’s how to cash in on up to $30:
- (a) Get $30 when you sign up for a student bank account with your .edu email address; AND
- (b) Add at least $10 to your account within 5 days of registration.
- No account minimum fees
- No overdraft fees
- Round up and earn more: SoFi account holders can opt-in to Roundups to have leftover cash from each purchase automatically deposited into a savings Vault.
- With SoFi, ATMs are fee-free at any 55,000 Allpoint® ATMs.
- Learn more about the SoFi® Student Checking and Savings
More Details
APY
0.25%
Monthly Fee
None
Signup Bonus
None
Interest Rate Breakdown
| Balance | APY |
|---|---|
| $0 - $10 | 0.00% |
| $10+ | 0.25% |
- Minimum to Open: $10
Additional Info
- Up to $15 ATM fee reimbursements each month
- Free incoming domestic wire transfers & free overdraft protection with a linked savings account
- At age 25 the Student Checking Account is converted to a Leader Checking Account.
- Free, unlimited transactions at 7,500 SUM Network ATMs nationwide.
- Learn more about the Leader Bank Student Checking
More Details
APY
0.10%
Monthly Fee
None
Signup Bonus
None
Interest Rate Breakdown
| Balance | APY |
|---|---|
| $0+ | 0.10% |
- Minimum to Open: $0
Additional Info
- No monthly service fees or balance requirements
- No fees to open, keep or use your MONEY account or debit card, for foreign transactions, or to transfer money from internal or external accounts.
- No BillPay or checks
- Once child turns 18, your teen can choose to open a 360 Checking account and transfer their balance from their MONEY account.
- MONEY teen checking accounts are only available online.
- 70,000+ Fee-free Capital One® and Allpoint® ATMs.
- Learn more about the Capital One Money Teen Checking
More Details
APY
0.10%
Monthly Fee
None
Signup Bonus
None
Interest Rate Breakdown
| Balance | APY |
|---|---|
| $0+ | 0.10% |
- Minimum to Open: $0
Additional Info
- For customers ages 13-17
- No monthly maintenance fees
- No overdraft or non-sufficient funds fees
- Earn up to 0.10% APY
- Up to $12 domestic ATM fee reimbursements per month
- Learn more about the Axos Bank First Checking
More Details
APY
0.01%
Monthly Fee
None
Signup Bonus
None
Interest Rate Breakdown
| Balance | APY |
|---|---|
| $0 - $1,000 | 0.00% |
| $1,000+ | 0.01% |
- Minimum to Open: $25
Additional Info
- FSB refunds up to $10 per monthly statement cycle in non-USAA ATM surcharge or usage fees for transactions made at non-USAA ATMs.
- The parent on the Youth Spending Account can temporarily increase and decrease daily debit card limits for the child on the account.
- Once your child reaches age 13, you'll be able to give them access to the USAA Mobile App.
- When your child turns 18, the account will automatically convert to a USAA Classic Checking account.
- There's no fee when you use a USAA ATM or one of 100,000 preferred ATMs.
- Learn more about the USAA Bank Youth Spending Checking
More Details
APY
0.00%
Monthly Fee
None
Signup Bonus
$100.00
Interest Rate Breakdown
| Balance | APY |
|---|---|
| $0+ | 0.00% |
- Minimum to Open: $0
Additional Info
- Earn $100 when you open a new TD Complete Checking account. Here's how:
- 1) Open a TD Complete Checking account; AND
- 2) Make 15 qualifying debit card purchases within 60 days of opening account.
- Earn $100. Bonus will be paid on or before 180 days after account opening.
- Best for student or young adult ages 17 through 23.
- Monthly fee: After turning 24, the monthly fee will be $15 unless you meet one of the requirements to continue to waive your monthly fee.
- There are over 1,100 stores & 2,600 ATM's for your convenience.
- Learn more about the TD Bank Complete Student Checking Account
More Details
APY
0.00%
Monthly Fee
None
Signup Bonus
None
Interest Rate Breakdown
| Balance | APY |
|---|---|
| $0+ | 0.00% |
- Minimum to Open: $15
Additional Info
- This account is for clients who are students who provide proof of their student status.
- No monthly service fees and no monthly minimum balance for clients between the ages of 13 and 24.
- Within one week (7 days) of the client’s 25th birthday, the e-Student checking account will automatically be converted to a 1st Checking account.
- ATM Fee Rebates: 1st Source Bank fee and another bank's up to 3 times (or $15 total) per monthly statement cycle.
- One (1) Overdraft fee refund per year
- There are no fees for withdrawals, deposits, transfers, and balance inquiries for your 1st Source account when using a 1st Source ATM.
- Learn more about the 1st Source Bank e-Student Checking
More Details
APY
0.00%
Monthly Fee
None
Signup Bonus
None
Interest Rate Breakdown
| Balance | APY |
|---|---|
| $0+ | 0.00% |
- Minimum to Open: $50
Additional Info
- Customers age 25 or younger.
- If you have a LifeGreen Checking for Students account and do not meet the age requirement, your account will be converted to the LifeGreen eAccess Account and must meet the normal criteria in order to avoid the Monthly Fee. One account holder must be of the age of majority.
- One-time refund of the paid overdraft/returned item fee for the first overdraft/returned item occurrence after your account is opened.
- Free access to over 1,900 ATMs across Regions' 15-state service area.
- Learn more about the Regions Bank LifeGreen Checking Account For Students
More Details
APY
0.00%
Monthly Fee
None
Signup Bonus
None
Interest Rate Breakdown
| Balance | APY |
|---|---|
| $0+ | 0.00% |
- Minimum to Open: $0
Additional Info
- Customers under 25 can enjoy PNC Simple Checking and apply for a Standard Savings account with no monthly service charge.
- No overdraft fees
- Customize your debit card with select options including designs for select schools and universities nationwide
- Enjoy fee-free access to approximately 60,000 PNC and partner ATMs coast to coast[
- Learn more about the PNC Simple Checking
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