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Student Checking Account

No fees or minimum balance requirements for easy banking while you study

Whether you’re looking to begin building good money management skills or develop smart saving and spending habits, our Student Checking account will help you manage your finances without having to worry about extra fees or expenses. Perfect if you are in school, aged 15 - 22, and looking for the benefits of a student checking account.
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Begin building banking history

Banking history is important to start building credit to make big purchases in the future
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Get your own debit card

Have total access to your funds whenever you need them
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Convert to Cash Back Checking

At age 22, your account will be converted to start receiving cash back rewards

Explore Student Checking

  • No monthly service fee
  • No minimum balance requirement
  • 0.10% rate reduction on MCCU student loan (for an undergraduate line-of-credit)
  • Three (3) MCCU withdrawal fees waived at non-Members Choice ATMs per month.

Plus these benefits


  • Must have a valid student ID
  • If under 18, must have a qualified adult joint owner
  • $25 minimum deposit to open


Are you ready to build your funds?

Open an account as a new member with one of these easy options

Join Online

Apply online now to open your membership account

Join in a Branch

Visit a branch to open your account

FAQs about Student Checking

Yes! Shared Branching is a network of 5,000+ credit unions who service each other's members. Simply present your Members Choice Credit Union Account/Member number and a valid government or state issued ID at any Shared Branch location and you can make deposits, withdrawals or loan payments. Policies and procedures differ at each location. Visit our locator page to find a shared branch or ATM near you.
You may access your account 24/7 via Online Banking, Mobile Banking and the Audio Response system. You may also speak to a live representative by calling 281.398.9900. Please be advised that when calling outside of regular business hours, live representatives have limited account access.
SavvyMoney is a free comprehensive Credit Score program offered by Members Choice, that helps you stay on top of your credit. In your Online Banking portal, you can get your latest credit score and report, an understanding of key factors that affect the score, and can see the most up to date offers that can help reduce your interest costs. With this program, you always know where you stand with your credit and how MCCU can help save you money. The program also monitors your credit report daily and informs you by email if there are any big changes detected such as a new account being opened, a change in address or employment, a delinquency reported, or an inquiry made. Monitoring helps you keep an eye out for identity theft as well.
Your Members Choice debit card is accepted worldwide, however, for peace of mind, we have some tips to share about traveling with your MCCU debit card.
One of the perks of being a credit union member is taking advantage of program discounts. These can be found on the Member Discounts page.

Looking for other personal checking options?

Explore Cash Back Checking

Get rewarded with cash back on all of your debit card related transactions. Learn more about Cash Back Checking

Explore Basic Checking

A simple way to make managing your money easier. Learn more about Basic Checking

Explore Opportunity Checking

Second-chance checking for those with a less-than-perfect credit history. Learn more about Opportunity Checking

Explore Student Checking

Perfect for students, ages 15-22, looking to manage their finances. Learn more about Student Checking


Student Checking is not eligible for Choice Pay.
If not currently a Members Choice member, a $5 deposit is needed to establish membership. All memberships are subject to approval including credit approval.