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Free Student Checking Account


Opening a checking account allows you to practice managing your finances. That skillset will help you when it’s time to pay off your student loans, buy a nice car, and even purchase your first home. If you get started now, it’ll be easier to achieve your financial goals later.


Become a credit union member quickly and easily online, and enjoy financial autonomy without monthly or annual fees.





No Fees

Fee-free means more money in your pocket.


Low Initial Deposit

Just $25 to open an account.


Online Banking

Check account balances, transfer funds, pay bills, and more.


Mobile App

All the functions of online banking with mobile convenience.


Free ATM Usage

Choose from over 8,000 participating 7-Eleven & Stripes ATMs surcharge-free


Nationwide Access

Access your cash and accounts wherever you are, for free!


Overdraft Protection

Protect yourself from being in the red without monthly or annual service fees with Overdraft Privilege.


Debit Card Design

We offer a variety of designs for your Visa debit card.

Plan For Your Future With Free Student Checking

Your life is busy. Between school, work, your social life, and spending time with family, you don’t want to add worrying about where you keep your money to the list. Opening a free student checking account allows you to ensure your funds are protected at a credit union you can trust while you enjoy your life.

Keeping a little cash on hand is fine, but nothing beats the ease of debit card access. What are you waiting for?






The Student Checking Account That Gives More

This might be your first checking account, or maybe you had one when you were younger. Either way, we’re here to help you make the best use of this account as you manage your current finances and as your financial needs grow in the future.



Open an Account




★★★★★
“Fantastic bank! Flexibility of use with different branch locations, good online service, as well as quick and easy loan processing with great rates. As long as I live in Texas, I won't bank or do loans with anyone else. Great service!”
- Sonia G.



Frequently Asked Questions

  • Yes, members can open a truly free student checking account online. Non-members can establish their credit union membership online and open a checking account at the same time. Learn how to open an account online.

  • Yes, you need to be a member to open a student checking account.

    You can become a member by registering online or in a branch and opening a savings account. A checking account can be opened at the same time. All authorized users must qualify for membership, but do not need to previously be a member. Authorized users added to the account will automatically become members.

  • Yes, this account is great for students who are 18 years or older.

    It requires no minimum balance, so students won’t be charged for a low balance in the account. We also offer added benefits for university students such as our Texas State SuperCat debit card. Students enrolled at Texas A&M can earn entries into our annual Tuition Takedown Giveaway by using their debit card associated with this free checking account.

  • To open a student checking account, you must currently be a member of the credit union or establish your membership by opening a savings account. This can be done online or in a branch with a deposit of $5.

    The checking account can be opened at the same time with an additional deposit of $25.

    This amount will cover the cost of your first box of checks, if you want to order them. There are no monthly service fees, monthly maintenance fees, or annual fees for either a checking or savings account.

  • The $25 initial deposit to open a checking account is to verify funds for the account. It is available for access and withdrawal the next business day. After that, there are no monthly fees, and no minimum required balance for your checking account.

  • When it comes to savings accounts, we offer a variety of options. We have a Teen Savings account that has a minimum deposit of only $1 to open.

    Our Regular Savings Accounts are another great option. They allow members to build up savings over time. Money Market Accounts offer higher interest rates than a regular savings account, or you can save for retirement with our IRAs.

    Members can also save for the holidays throughout the year with our Christmas Club Accounts or pay for health expenses through our tax-advantaged Health Savings Accounts.

  • We do not require a minimum balance in the checking account. For savings, the minimum account balance is $5.

  • Once the checking account has been opened and the debit card has been requested, it should take 3-5 business days to receive the debit card in the mail.



More Checking Accounts


At Greater Texas CU, we have an account to meet your needs. And all of our checking accounts offer no monthly service charge, no minimum balance, and free online banking and mobile app.


Teen Checking

A free account with tons of benefits, including overdraft protection, debit card, dividends, free ATMS, and more.

Learn More

Free Checking

A free account with a low initial deposit, unlimited check writing, debit card, dividends, free ATMS, and more.

Learn More

Business Checking

A Business Advantage Checking Account designed to fit the needs of all businesses regardless of size.

Learn More


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