Student Checking Account
Begin Your Financial Journey
DFCU’s Student Checking is designed to help you learn, practice, and thrive with money management—while giving you rewards that matter right now. Earn a $75 cash bonus*, enjoy free nationwide ATM access, and keep your account fee-free through age 30. It’s checking built to grow with you, from middle school to graduation and beyond.
Benefits That Go Beyond Banking
Student Checking is more than just an account—it's a launchpad for your financial future. From the very start, you'll earn rewards that make saving and spending more meaningful.
Receive a $75 bonus* after completing 10 debit card transactions in your first 30 days, along with a $10 gift card to celebrate opening your account. You'll never pay a monthly fee, and you'll enjoy nationwide free ATM access through the CO-OP network—perfect for on-campus or off-campus life.
With real rewards, real convenience, and real value, Student Checking gives you the tools to manage money confidently.
Mobile Banking
Mobile Banking That Fits Your Life
Banking should move at your speed. With DFCU’s mobile app, you can deposit checks from anywhere, pay bills in seconds, and track your spending in real time. Whether you’re budgeting for books, splitting rent, or covering streaming subscriptions, your money is always just a tap away.
You’ll have access to free online bill pay, custom spending alerts, and full app functionality on both iOS and Android devices. It’s everything you need to stay in control—no matter where student life takes you.
Download the App
Your phone has never felt more like a branch.
Banking Freedom Wherever You Go
From your hometown to spring break trips, your account works everywhere. With nearly 30,000 free ATMs and 5,600 shared branches across the country, you’ll never feel far from your money. Plus, with CardHub controls you can freeze or unfreeze your card instantly and set travel notifications for peace of mind abroad.
30,000 free ATMs nationwide
Thousands of shared branches for in-person service
CardHub controls to manage spending and security
Travel notices for smooth international use
Getting Started Is Simple
Opening your Student Checking account takes just minutes. You can apply online or visit a branch—it's easy, fast, and secure. All you need is proof of student status (from elementary through college, up to age 30).
If you're under 18, a parent or guardian can co-sign. You'll also open a Membership Savings account with just $5 to activate your full membership benefits. From setup to spending, we make it simple to get started and stay confident with your finances.
Make the Most of Your Student Years
From your first paycheck to your first budget, Student Checking gives you the freedom to learn, practice, and succeed with money on your own terms. With $85 in welcome bonuses and no fees through age 30, you can focus on school, work, and life while we keep your finances simple.
Become a Member Today
Become a Member Today
LDS Members and others are welcome to join us as members.
Drive Your Dreams
Low Auto Loan Rates.
Fast Approvals.
Your New Car Awaits.
Save More, Stress Less
Earn Top Rates with Our High-Yield Savings—No Fees, No Fuss.
*Offer valid for new Student Checking Accounts only. Limit one $75 bonus per member. To qualify, you must complete ten (10) debit transactions within the first 30 days of account opening. The $75 bonus will be deposited into the account within 30 days following the month in which the transaction requirements are met.