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.
Student Checking Details
|Student Checking Account
A free checking account designed especially for high school and college students. No monthly maintenance fee, no minimum balance requirement and great, convenient benefits.
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
|Monthly Maintenance Fee
|Minimum Balance Required
|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.
|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.
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.