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.
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
- 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. (As a part of our COVID-19 Member Assistance Program, Members will be reimbursed for all foreign ATM fees up to $25.00 during the month of April regardless of their checking account type).
Plus these benefits
- Visa debit EMV chip card
- Mobile and online banking
- Mobile wallet
- Direct deposit
- Audio response
- Bill Pay
- eAlerts & eStatements
- Check ordering
- Unlimited check writing
- Person-to-person payments
- Shared Branching and ATMs Worldwide
Requirements
- Must have a valid student ID
- If under 18, must have a qualified adult joint owner
- $25 minimum deposit to open
Restrictions
- 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
FAQs about Student Checking
Do you participate in Shared Branching with other credit unions?
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.
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 is SavvyMoney Credit Score?
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.
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.
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
Disclosures
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. As a part of our COVID-19 Member Assistance Program, Members Choice will cover your new membership opening deposit. Now through the end of April 2020, we will fund the standard opening deposit establishing membership on your main savings account at account opening.