Student Checking Account
The Ideal Student Checking Account is designed to meet the unique needs of high school and college students by providing cost savings and 24/7 digital banking access.
Student Checking Benefits
- No monthly maintenance fees or minimum balance requirements
- 24/7 access with Ideal Digital Banking and mobile app
- Direct Deposit with Early Payday*
- Free Ideal Debit Mastercard
- Access to a nationwide surcharge-free** ATM Network.
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Student Checking Details
| Student Checking Account | |
|---|---|
| Description |
A free checking account designed especially for high school and college students. No monthly maintenance fee, no minimum balance requirement and great, convenient benefits. |
| Age Restrictions |
High school and college students up to age 24. Must show student ID to open. Parent/guardian must also be on account if student is under age 18. |
| Minimum Opening Deposit | $50 |
| Monthly Maintenance Fee |
$0 |
| Minimum Balance Required |
$0 |
| Free Debit Card |
Use your free Ideal CU Debit Card instead of cash or checks for purchases at millions of locations. |
| Free Online Banking & Bill Pay |
Secure online access to your account makes it easy to stay in control of your finances. Monitor your accounts for up-to-date details, make payments, pay bills online and more. |
| Free Mobile Banking With Mobile Check Deposit |
Use your mobile phone to check balances, transfer funds, deposit checks, find a branch or ATM, pay bills and more. Download the Ideal CU Digital Banking app on the Apple App Store or Google Play. |
| Free eStatements | Sign up for eStatements and help the environment while keeping your financial information safe and secure. |
| Free Account Alerts | Receive email or text message reminders about important activity that you request. |
| ATM Access |
Ideal ATMs - No fee Non-Ideal ATMs - 5 free withdrawals or balance inquiries per month, $3.50 for each additional transaction |
Check out other Ideal CU Student Products
Student Savers CD
The Ideal CU Student Savers CD earns high school students a high rate of 3.04% APY (Annual Percentage Yield). The Student Savers CD is available only for members aged 14-17.