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Student Checking Account

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.
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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

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.
  • 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
  • No minimum balance requirement
  • No direct deposit requirement
  • No minimum balance to open


Have questions for one of our representatives?

Fill out the short form below to hear back within the next business day.

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.

Open an Account in a Branch

To apply in person, visit a branch near you.

FAQs about Student Checking

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.

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.

Yes, your Members Choice Debit Mastercard can be added to either Venmo or Zelle for quick, secure and easy payments to friends and family. Click here for instructions: Venmo and 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.