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Student Checking

Student Checking

Student Checking

Student Checking

We work hard to design banking solutions for your whole family at any stage of their lives. Our Student Checking account is a great fit for your family’s young adults, ages 13 to 25, who might be ready for their first checking account, are starting their first job, or are leaving for college. Your students get their own debit cards, have access to in-network ATMs across the country, and are eligible for up to five out-of-network ATM fee reimbursements each month.


  • Available to students 13 to 25 years of age
    *Applicants under the age of 18 must open account jointly with a parent, legal guardian or other adult
  • Five free nationwide ATM refunds per statement cycle1
  • No minimum balance required
  • No monthly maintenance fees
  • No minimum opening deposit
  • Online & mobile banking2
  • Remote deposit2
  • Online bill pay2
  • E-Statements2
  • People Pay2
  • Cardless Cash2
  • Debit card3 available to those 13 and over


Banking that supports you wherever you are


Save for life's big moments…


Teach your kids that saving money can be fun!

1. The bank does not charge its customers a monthly card usage fee. No transaction charge at any ATM in the Allpoint, MoneyPass, or Sum surcharge–free networks. Other banks outside the network may impose ATM surcharges at their machines. Up to five (5) surcharge fees assessed by owners of other ATMs outside the network will be reimbursed per statement cycle. Reimbursement does not include the 1.10% International Service fee charged for certain foreign transactions conducted outside the continental United States. Surcharge reimbursements do not apply to transactions performed on prepaid cards. 2. Third party message, data, and/or internet fees may apply. Use of online Banking is required for access to Mobile/Remote banking and People Pay. Mobile/Internet connectivity is required. Remote Deposit requires established Checking, Savings or Money Market deposit account for personal, family or household purposes with the Bank and has had no more than six overdraft occurrences within the past or current calendar year. People Pay requires a Checking account with the Bank for at least 30 days. People Pay may have age restrictions. Cardless Cash requires a checking account with the Bank and debit card with the bank and is available only at Wintrust Community Bank ATMs. 3. Overdraft fees may apply.