Student Checking
If you’re just starting your financial journey, you want a checking account that has lots of options without a lot of fees or hassle.
We have it at HOPE!
HOPE Student Checking¹ is a great choice for people who are 18-25 years old at account opening and want to establish their own banking history without a parent or guardian.²
- Affordable and convenient
- No minimum balance requirement
- No monthly service fee
- Unlimited number of check transactions
- 100 free checks at account opening
- Free digital banking (online and mobile) ³
- Protection from overdrafts
- Extensive credit history is not required
- Remote check deposit6
- Free online bill pay
- Free ATM withdrawals at any HOPE ATM and Participating CO-OP and CU24 ATMs4
- Automatic ATM fee refunds of up to $5 per month for the first 12 calendar months after account opening
- Free e-statements5
- Overdraft transfers as money can be moved from a linked savings account to cover overdrafts for a $1 fee
- Free deposits and withdrawals at more than 5,300 Shared Branching locations nationwide6
Checking Account Comparison Chart
| Easy Checking | Easy Checking Plus | HOPE Rewards Checking | Student Checking | HOPE Choice Card | |
|---|---|---|---|---|---|
| Opening Balance Requirement | $25 | $0 | $0 | $0 | $0 |
| Minimum Balance | $25 | $0 | $0 | $0 | $0 |
| Monthly Fee | $9.95 Waived with $200 Minimum Balance | $7.95 Waived with $250 Minimum Balance | $0 | $0 | $4 |
| Unlimited Transactions | ✓ | ✓ | ✓ | ✓ | ✓ |
| Electronic Transactions | ✓ | ✓ | ✓ | ✓ | ✓ |
| Paper Checks | ✓ | ✓ | ✓ | ✓ | ✓ |
| Free HOPENet Online Banking | ✓ | ✓ | ✓ | ✓ | ✓ |
| Free HOPENet Online Bill Payment | ✓ | ✓ | ✓ | ✓ | ✓ |
| Free HOPE Mobile Banking1 | ✓ | ✓ | ✓ | ✓ | ✓ |
| Free E-Statements | ✓ | ✓ | ✓ | ✓ $2.00 Monthly Paper Statement Fee | ✓ |
| Member Privilege Overdraft Protection Program | Available | Available | Available | Available | Available |
| More> | More> | More> | More> | More> |
1A Student ID is not required to open this account.
2Student Checking accounts for members in good standing will be converted to another type of HOPE checking account the month following their 26th birthday. HOPE will convert the Student Checking account to the type of checking account that is most advantageous to the member based on their qualifications. The new account may charge a monthly service fee and/or have different minimum balance requirements to avoid the fee.
3Wireless carrier messages and data fees may apply.
4Non-HOPE ATMs may charge fees.
5Accounts that do not register for e-statements in the first 60 days of account
opening will be assessed a $2 monthly paper statement fee until the account is registered for e-statements.
6Remote check deposit and Shared Branching services are available 60 days after the account is opened.
Contact Us
If you have questions or need additional information about a checking account, send a note to your closest branch.