Student Banking
Banking built for your college years
Free checking, no minimums, no monthly fees, and tools to help you build smart financial habits from day one. Available to students aged 17–24.
Open Student AccountIOU Student Checking
Everything you need, nothing you don't. Our student account is designed to make banking simple while you focus on school.
- No monthly maintenance fee until age 25
- No minimum balance required — ever
- Free debit card with contactless payments
- 40,000+ fee-free ATMs nationwide
- Mobile check deposit and Zelle transfers
- Automatic round-up savings to build your nest egg
- Free financial literacy workshops at your campus
- Parental joint account option for students under 18
- Upgrades to Essential Checking at age 25 — still free
Mobile First
Manage your account, deposit checks, and send money from our award-winning app.
Student Credit Card
Build your credit history with our secured student card. No annual fee. Reports to all 3 bureaus.
Savings Goals
Set savings goals and automate transfers. Save for spring break, textbooks, or an emergency fund.
Financial Coaching
Free 1-on-1 sessions with a financial coach to help with budgeting, student loans, and credit building.
Start banking in 5 minutes
All you need is a valid student ID or enrollment verification and a government-issued photo ID. Apply online or visit any branch.
Open Your Account