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Student Checking Accounts
Student checking accounts can come with great benefits for college students such as lower fees, mobile access, debit cards, and other perks. Unfortunately, not all students accounts are truly good deals. Save money on fees by using NerdWallet's comparison tool to find the best checking account for you. The big bank on campus may not be your best bet. Many local community banks and credit unions offer great free student checking accounts. If you're comfortable managing your finances entirely from your computer and phone, then online banks are another good place to look. For more information check out NerdScholar, NerdWallet's central resource for college students.

Find the best student checking account

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Showing 1-10 of 82 Results
Checking Account Account Benefits Fees dollarsign
Federally insured by the FDIC
Some out of network ATM fees waived
Some overdraft fees refunded
No monthly service fees
Bank anywhere with free mobile apps
$0.00 / mo

Open Now
Fee Breakdown
Fee Frequency Per Year
Monthly fees $0.00 12 $0.00
ATM fees $2.00 0 $0.00
Overdraft fees $25.00 0 $0.00
Early closure $0.00 0 $0.00
Stop payments $29.00 0 $0.00
Paper statements $0.00 0 $0.00
Debit card replacement fee $5.00 0 $0.00
Annual Cost dollarsign - - $0.00
Account Details
See complete USAA Federal Savings Bank – Free Checking details
Federally insured by the FDIC
No ATM fees
No overdraft fees
$0.00 / mo

Open Now
Fee Breakdown
Fee Frequency Per Year
Monthly fees $0.00 12 $0.00
ATM fees $0.00 0 $0.00
Overdraft fees $0.00 0 $0.00
Early closure $0.00 0 $0.00
Stop payments $0.00 0 $0.00
Paper statements $0.00 0 $0.00
Debit card replacement fee $0.00 0 $0.00
Annual Cost dollarsign - - $0.00
Account Details
See complete BankMobile – Totally Free Checking Account details
Federally insured by the FDIC
No monthly fees
No ATM Fees
Mobile app available
No foreign transaction fee
$0.00 / mo

Open Now
Fee Breakdown
Fee Frequency Per Year
Monthly fees $0.00 12 $0.00
ATM fees $0.00 0 $0.00
Overdraft fees $0.00 0 $0.00
Early closure $0.00 0 $0.00
Stop payments $25.00 0 $0.00
Paper statements $0.00 0 $0.00
Debit card replacement fee $0.00 0 $0.00
Annual Cost dollarsign - - $0.00
Account Details
  • There is no flat fee to use overdraft - you only need to pay interest if the account balance drops below zero and triggers use of an Overdraft Line of Credit
See complete Capital One 360 – 360 Checking details
Federally insured by the NCUA
No monthly fee
No minimum balance
$0.00 / mo

Open Now
Membership eligibility
Fee Breakdown
Fee Frequency Per Year
Monthly fees $0.00 12 $0.00
ATM fees $0.00 0 $0.00
Overdraft fees $20.00 0 $0.00
Early closure $0.00 0 $0.00
Stop payments $20.00 0 $0.00
Paper statements $0.00 0 $0.00
Debit card replacement fee $0.00 0 $0.00
Annual Cost dollarsign - - $0.00
Account Details
  • Free PSFCU VISA Debit Card
See complete Polish & Slavic Federal Credit Union – Share Draft/Checking details
Federally insured by the FDIC
Earns high interest
No monthly fees
No overdraft fees
No ATM fees
$0.00 / mo

Open Now
Fee Breakdown
Fee Frequency Per Year
Monthly fees $0.00 12 $0.00
ATM fees $0.00 0 $0.00
Overdraft fees $0.00 0 $0.00
Early closure $0.00 0 $0.00
Stop payments $0.00 0 $0.00
Paper statements $0.00 0 $0.00
Debit card replacement fee $5.00 0 $0.00
Annual Cost dollarsign - - $0.00
Account Details
  • $100 minimum opening deposit
  • Free debit card and initial check order
See complete MyCBB – MyCBB Free Checking details
Federally insured by the FDIC
No monthly fees
No ATM Fees from Simple
Mobile app available
Free bill pay
$0.00 / mo

Open Now
Fee Breakdown
Fee Frequency Per Year
Monthly fees $0.00 12 $0.00
ATM fees $0.00 0 $0.00
Overdraft fees $0.00 0 $0.00
Early closure $0.00 0 $0.00
Stop payments $0.00 0 $0.00
Paper statements $0.00 0 $0.00
Debit card replacement fee $2.00 0 $0.00
Annual Cost dollarsign - - $0.00
Account Details
  • See your spending as it happens. Push notifications with every swipe.
  • Know what's Safe-to-Spend® by automatically factoring in upcoming bills, scheduled transactions, and transfers.
  • Save money automatically. Start a Goal, and each day Simple sets aside a small amount to help you reach it.
  • No monthly fees. No minimum balances. No overdraft charges. No hassles.
  • All the features you need: 55,000 fee-free ATMs, free direct deposit, photo check deposit, lightning quick mobile apps.
  • Simple does not charge ATM fees, but the ATM itself might. Use Allpoint ATMs to avoid all fees.
See complete Simple – Mobile Banking details
Federally insured by the NCUA
Some out of network ATM fees waived
Account pays some interest
$0.00 / mo

Open Now
Membership eligibility
Fee Breakdown
Fee Frequency Per Year
Monthly fees $0.00 12 $0.00
ATM fees $1.50 0 $0.00
Overdraft fees $25.00 0 $0.00
Early closure $0.00 0 $0.00
Stop payments $20.00 0 $0.00
Paper statements $0.00 0 $0.00
Debit card replacement fee $5.00 0 $0.00
Annual Cost dollarsign - - $0.00
Account Details
  • Requires opening a savings account ($5 balance) to establish membership
  • Out of network ATM: 8 fees waived per statement cycle
See complete Affinity Federal Credit Union – Green Rewards Checking details
Federally insured by the FDIC
No monthly fees
Mobile app available
$0.00 / mo

Open Now
Fee Breakdown
Fee Frequency Per Year
Monthly fees $0.00 12 $0.00
ATM fees $2.00 0 $0.00
Overdraft fees $0.00 0 $0.00
Early closure $0.00 0 $0.00
Stop payments $0.00 0 $0.00
Paper statements $0.00 0 $0.00
Debit card replacement fee $0.00 0 $0.00
Annual Cost dollarsign - - $0.00
Account Details
  • Withdrawals at MoneyPass ATMs are free with direct deposit. A $2 fee applies without direct deposit.
See complete American Express – Bluebird details
Federally insured by the NCUA
Some out of network ATM fees waived
Account pays some interest
$0.00 / mo

Open Now
Membership eligibility
Fee Breakdown
Fee Frequency Per Year
Monthly fees $0.00 12 $0.00
ATM fees $1.50 0 $0.00
Overdraft fees $25.00 0 $0.00
Early closure $0.00 0 $0.00
Stop payments $20.00 0 $0.00
Paper statements $0.00 0 $0.00
Debit card replacement fee $5.00 0 $0.00
Annual Cost dollarsign - - $0.00
Account Details
  • Requires opening a savings account ($5 balance) to establish membership
  • Out of network ATM: 8 fees waived per statement cycle
See complete Affinity Federal Credit Union – Affinity Checking details
Federally insured by the FDIC
No monthly fees
No ATM Fees
Mobile app available
$0.00 / mo

Open Now
Fee Breakdown
Fee Frequency Per Year
Monthly fees $0.00 12 $0.00
ATM fees $0.00 0 $0.00
Overdraft fees $0.00 0 $0.00
Early closure $0.00 0 $0.00
Stop payments $0.00 0 $0.00
Paper statements $0.00 0 $0.00
Debit card replacement fee $0.00 0 $0.00
Annual Cost dollarsign - - $0.00
Account Details
  • Check your real-time Spending Meter? to know if you're spending faster or slower than usual, so you can make informed decisions before you make a purchase
  • Get an Instant Receipt with every purchase that tracks your spending on similar items, so you can easily stay on top of your spending patterns
  • The Moven debit card is issued by CBW Bank, member FDIC, so your money is safely held in a federally-insured account
  • Access your money at over 42,000 ATMs with no surcharges
See complete Moven – Mobile Bank Account details
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