Student Checking



Student Checking at Financial Plus: Earn $20 a Month for a Year

Our Student Checking account makes managing your money easy! Track your spending, stick to your budget, and earn up to $20 a month* for your first year just by using your debit card five times a month. Whether it’s ice cream, gas, streaming, or skincare, you'll get rewarded for the things you’re already spending on — all with no fees and great features to keep you in control. 

What you get with a Student Checking account:

  • Earn $20 a month for your first year by using your debit card five times a month 💰 
  • No monthly fees ✅ 
  • Link your account to Apple Pay®, PayPal®, Venmo® and more ✅ 
  • Digital banking packed with options 📱 
  • Instant debit card for easy spending 💳 
  • Access to 30,000 free ATM's nationwide ✅
 

How to open a Student Checking account:

  • For students ages 10-24 years old
  • Open online in less than 3 minutes by clicking the button below 
  • Visit any branch and chat with a representative

Open an account online in less than 3 minutes!

View Rates    Open an Account


Want to check out our other checking account options? Compare accounts >
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Free Financial Education
Whether you're a student learning how to manage your money or preparing for life after graduation, we're here to help.

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Scholarship Opportunities
Each year, we offer $1,000 scholarships to students across Mid-Michigan like you.

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Tell your Friends. Get $50! 
You'll both receive $50 when you refer a friend or family member.

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First Time Auto Buyer Program
If you have limited credit, don't worry - you may still be able to finance an auto loan with us.  

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Instant-issue debit card

  • Easily access your funds: With our contactless debit card, you can access your funds 24/7 at ATMs. Whether you're traveling, shopping online, or simply need cash, your funds are always within reach.

  • Track your spending: Easily monitor your transactions within digital banking. Stay in control and keep track of your purchases effortlessly.


Send money anytime, anywhere

Link your checking and debit card to your mobile accounts like Apple Pay®, PayPal®, Venmo® and more. It's easy - you just need your account number and our routing number 272480128 to get started.


















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*Insured by NCUA. Account available to students ages 10-24 with valid student identification. Member will be automatically transferred to Free Checking account when member turns 25, different terms may apply. To qualify for monthly incentive, you must make five (5) or more monthly qualifying and settled debit card transactions during each calendar month. The maximum incentive is $20 per month ($240 total) and is available for the first 12 months from the account open date. Incentive will be deposited into the account within seven (7) business days after the end of the month in which the qualifying purchases were made. Incentive is subject to 1099-MISC. Restrictions apply. See credit union for details. 
 
Apple Pay is a trademark of Apple, Inc.
PayPal and Venmo are trademarks of PayPal, Inc.