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Student Saver Checking Account

Start smart. Save smarter. Earn interest with no monthly fees for easy banking while you study*

Welcome to a brighter financial future with Student Saver Checking – the checking account designed with young savers in mind. Whether you're saving for new technology, sports, personal passions, or just a rainy day, your money should work as hard as you do. That’s why we offer a robust 0.25% APY* on all balances, making every penny count. All with no minimum balances, extra fees or expenses.*
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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 24/7 access to your funds whenever you need them with a Debit Mastercard® for purchases or ATMs
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Start Earning Interest

With a 0.25% APY* on your balances, you can earn extra each month 

Explore Student Checking

Starting young means learning strong. With eligibility beginning at just 10 years of age, we’re here to support the journey into financial independence from the get-go. Your first step into managing money can be both rewarding and educational. Members Choice Student Saver Checking is perfect for students, ages 10-17, looking to have access to a debit card for purchases, manage their finances, and build a banking history.

Student Saver account benefits

  • Earn on Every Dollar: Get a 0.25% APY* interest rate on all balances.
  • For Younger Savers: Eligibility starts at 10 years of age.
  • Maximized ATM Refunds: Receive up to $25 in ATM refunds each month.
  • Improve Financial Knowledge: Learn practical financial skills with access to over 175 library resources
    (Launches in May 2024).

Plus these benefits


  • If under 16, 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
  • $500 daily limit on combined ATM, Signature or Point-of-Sale transactions

Have questions for one of our representatives?

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

Join Members Choice, where your money grows along with your financial wisdom.

Ready to start? Sign up today and take the first step for your financial future

Join Online

Open a new membership account for a student.

Open an Account in a Branch

To apply in person, visit a branch near you.

FAQs about Student Saver Checking

For students ages 10-15, an adult is required as a joint accountholder. For students ages 16-17, a joint accountholder is optional.
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.
If the parent is listed as a joint accountholder, they will have access to all of the same alerts and debit card controls as the primary accountholder. As an added measure, all Student Saver Checking accounts come with a $500 daily limit on combined ATM, Signature and Point-of-Sale transactions.
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

Starting in May 2024, Student Saver Checking accounts will have access to an online education hub with over 175 resources on practical financial skills. We also maintain a blog with up-to-date Financial Literacy articles and tips.

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


*APY=Annual Percentage Yield. There are no requirements nor minimum balances to earn the stated APY for active Student Saver Checking accounts. ATM Fee Rebates: We will reimburse you for ATM fees imposed during the month by our institution and other U.S. financial institutions. The maximum ATM fee rebate is $25 for each month. ATM fee rebates will be transferred to the checking account. If you believe that you have not been reimbursed the correct amount, please contact us. We must hear from you no later than 30 days after the statement cycle when the reimbursement was applicable.
Student Saver Checking is not eligible for Choice Pay. At age 18, account will be converted into a Complete Checking account.


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