No monthly 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.
Begin building banking history
Banking history is important to start building credit to make big purchases in the future
Get your own debit card
Have total access to your funds whenever you need them
Convert to Cash Back Checking
At age 22, your account will be converted to start receiving cash back rewards
Explore Student Checking
Members Choice Student Checking is perfect for students, ages 15-22, looking to have access to a debit card for purchases, manage their finances, and build a banking history.
- 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
- No monthly maintenance fee
- Debit Mastercard®
- Mobile and online banking
- Mobile wallet
- Direct deposit
- Audio response
- Bill Pay
- eAlerts & eStatements
- Check ordering
- Unlimited check writing
- Person-to-person payments (when linked to your Debit Mastercard®)
- Member Referral Rewards
- Access to over 55,000 ATMs worldwide
- Must have a valid student ID
- If under 18, must have a qualified adult joint owner
- No minimum balance requirement
- No direct deposit requirement
- No minimum balance to open
- Not eligible for Choice Pay
Are you ready to build your funds?
Open an account as a new member with one of these easy options
Apply online now to open your membership account.
FAQs about Student Checking
Is my account information available 24-hours a day?
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.
What do I need to know about when traveling with my debit card?
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.
Does the credit union offer member discounts?
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.
Can I use my Debit Mastercard for payments with Venmo or Zelle?
Looking for our personal checking options?
Explore Complete Checking
Get paid up to 2 days early and earn a higher dividend rate when you sign up for direct deposit, make debit card purchases and more. Members Choice Complete CheckingTM also includes all of the benefits of Cash Back Checking, along with no monthly fee, and no minimum balance requirement. Learn more about Complete Checking
Explore Cash Back Checking
Earn unlimited cash back on your debit card purchases each month. Members Choice Cash Back Checking has no monthly fees, no direct deposit requirement, and no minimum balance requirement. Learn more about Cash Back Checking
Explore Student Checking
Perfect for students, ages 15-22, looking to have access to a debit card for purchases, manage their finances, and build a banking history. 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.