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Student Checking Account for Teens & College Students
Simple, no-fee banking designed for students ages 10-23 learning to manage money, with local support from a Kansas & Missouri community bank.
What Is a Student Checking Account?
A student checking account is a beginner-friendly bank account designed for teens and young adults. It helps students manage money, avoid fees and build smart financial habits, without the complexity of a traditional account.
The Emprise Student Checking Account is built for how students actually manage money:
- No monthly maintenance fees
- No overdraft fees
- Easy debit card access to 55,000 surcharge-free ATMs
- Mobile banking with account alerts and free fraud control tools
- $25 to open
- Automatic (and free) transfers from a linked savings account when funds run low
- Designed for ages 10-23
Online account opening limited to ages 10 and up. Independently open the account yourself if you're 14+ (no co-owner needed). At the age of 24, the Student Checking account will transition to a Cash Back Checking account. Minimum deposit to open is $25. Minimum deposit to open online is $100. No monthly fee. Non-interest bearing. No checks will be issued. eStatement enrollment is preferred. The Overdraft Privilege service is not available for this account.
Who This Account Is For
For Kids (Ages 10-13)
- First introduction to money and banking
- A safe way to learn spending and saving with a debit card
- Guided by a parent or guardian
Help your child build confidence early and start smart habits before high school.
For Middle School & Early Teens (Ages 13-15)
- Manage allowance, gifts, or first earnings
- Learn how to track spending and avoid overdrafts
- Build independence with parental support.
Designed for the stage where money habits start to stick.
For High School Students (Ages 15-18)
- Handle part-time job income
- Pay for everyday expenses like gas, food, and activities
- Prepare for financial independence
For College Students (Ages 18-23)
- Manage rent, bills, subscriptions
- Bank on the go with mobile tools
- Stay on track without monthly or overdraft fees
For Parents
- A practical way to teach kids and teens how to manage money
- Opportunity to guide spending and build financial responsibility
- Confidence that your student is learning with fewer fees and fewer risks
How to Open a Student Checking Account
Step-by-step:
- Apply online or visit one of our 30+ Kansas & Missouri branches
- Bring ID (and parent/guardian if under 14)
- Deposit $25 if applying in a branch or $100 if applying online
- Start using your debit card
Student Checking FAQs
A student checking account is a beginner-friendly bank account designed for kids, teens and young adults. It helps students manage money, avoid fees and build smart financial habits, without the complexity of a traditional account.
Yes, the Emprise Student Checking Account is free. There are no monthly service fees and access to 55,000+ surcharge-free ATMs.
Students as young as 10 years old may open a Student Checking Account. Minimum opening deposit for opening an account in one of our 30+ Kansas & Missouri branches is $25. If you open your account online, the minimum opening deposit is $100.
You may open a Student Checking Account on your own if you are 14 years old or older. Students who are younger than 14 need a parent or guardian to open an account.
Yes! You can use it to pay tuition and manage your rent and bills. Plus, you can bank from anywhere with our app and mobile tools, staying on track without the worry of monthly maintenance fees or overdraft fees.
Once you turn 24, your Student Checking Account will automatically transition to a Cash Back Checking Account. Like the Student Checking Account, it has no monthly maintenance fees. Learn more about Cash Back Checking.
The Student Checking Account is built to help young people practice good money management skills. It’s a simpler account that has many of the same features as Cash Back Checking Account and High Interest Checking Account:
- No monthly maintenance fees
- Access to 55,000+ surcharge-free ATMs
- Mobile banking with account alerts and free fraud control tools
Cash Back Checking and High Interest Checking offer rewards and overdraft protection, and the ability to earn more interest by tying it to a Savings Plus Account. You may switch from Student Checking to either Cash Back Checking or High Interest Checking once you turn 18.
Start strong with a student checking account.
Visit one of our 30+ Kansas & Missouri branches today.
