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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 76 Results
Checking Account Account Benefits Fees dollarsign
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 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 fees
Free iTunes downloads & Amazon.com purchases
5,000+ CO-OP Shared Branches available
$0.00 / mo

Open Now
Membership eligibility
Fee Breakdown
Fee Frequency Per Year
Monthly fees $0.00 12 $0.00
ATM fees $1.75 0 $0.00
Overdraft fees $30.00 0 $0.00
Early closure $25.00 0 $0.00
Stop payments $10.00 0 $0.00
Paper statements $0.00 0 $0.00
Debit card replacement fee $25.00 0 $0.00
Annual Cost dollarsign - - $0.00
Account Details
  • ATM refunds and free online downloads apply when you meet the following qualifications each month:
    • Have at least 15 signature-based debit card purchases post and settle
    • Be enrolled and receive monthly e-statement notice
  • Early closure fee will be charged if the account is closed within 6 months of opening
See complete Aspire Federal Credit Union – Kasasa Tunes details
Federally insured by the FDIC
No monthly fees
Earns interest
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 $25.00 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
  • Requires opening a linked Schwab One® brokerage account with no fees or minimums
  • Unlimited fee rebates from any ATM worldwide
  • Overdraft Fee at left refers to a Non-Sufficient Funds Fee of $25
See complete Schwab Bank – High Yield Investor Checking 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 NCUA
No monthly fees
Earns interest
Unlimited nationwide ATM fee refunds
5,000+ CO-OP Shared Branches available
$0.00 / mo

Open Now
Membership eligibility
Fee Breakdown
Fee Frequency Per Year
Monthly fees $0.00 12 $0.00
ATM fees $1.75 0 $0.00
Overdraft fees $30.00 0 $0.00
Early closure $25.00 0 $0.00
Stop payments $10.00 0 $0.00
Paper statements $0.00 0 $0.00
Debit card replacement fee $25.00 0 $0.00
Annual Cost dollarsign - - $0.00
Account Details
  • ATM refunds and reward interest rates apply when you meet the following qualifications each month:
    • Have at least 12 signature-based debit card purchases post and settle
    • Be enrolled and receive monthly e-statement notice
    • Have at least one direct deposit or automatic payment (ACH) post and settle
  • Early closure fee will be charged if the account is closed within 6 months of opening
See complete Aspire Federal Credit Union – Kasasa Cash details
Federally insured by the FDIC
Earns interest
Some ATM fees waived
$0.00 / mo

Open Now
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 $25.00 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
  • No monthly fee if you sign up for direct deposit and use your debit card 8 times each month
  • 6 out of network ATM fees waived per month
  • Early closure fee applies if account is closed within 6 months of opening
See complete Nationwide Bank – E-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 FDIC
No monthly fees
No ATM Fees
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 $0.00 0 $0.00
Annual Cost dollarsign - - $0.00
Account Details
See complete Moven – Mobile Bank Account details
Federally insured by the FDIC
All out of network ATM fees waived
Account pays some interest
$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 $9.00 0 $0.00
Early closure $0.00 0 $0.00
Stop payments $15.00 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
  • Out of network ATM: All third-party surcharges are reimbursed
See complete Ally Bank – Interest Checking Account details
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