Going to college is fun, but you need a good place to keep your money safe. A student bank account helps you pay for food, books, and fun things. These accounts have no big fees and are easy to use. In 2026, many banks will offer special accounts just for students. They have no monthly fees while you are in school. Here are the best 6.
Chase College Checking
It's great for students aged 17 to 24. There's no monthly fee for up to 5 years, and you get a debit card and a good app for keeping in touch with your money. Chase has a lot of branches and ATMs, and you can send cash fast with Zelle. Sometimes, they even give a bonus, like $125, for doing some pretty easy stuff.
Capital One MONEY Teen Checking
Good for high school and college students. No fees, no minimum money to start. You get a little interest on your money. Parents can oversee, if needed. The app is simple, and there are loads of free ATMs. It helps you learn about money.
Bank of America SafeBalance Banking
Ideal for students under age 25: no monthly fee or overdraft fees. Find tons of free ATMs and branches. The app will help you budget and understand where your money goes. Great for new students.
SoFi Checking and Savings
This is online only, no branches. No fees at all, even for overdraft sometimes. You earn good interest on savings. Easy app and fast direct deposit. They give a small bonus if you're a student. Great if you like doing everything through your phone.
Learn About Cashback Debit
No fees, cashback on purchases when using your debit card. Great app, plenty of free ATMs. No minimum balance. It's like getting money back for shopping.
PNC Virtual Wallet Student
Combines checking and savings. No fee up to 6 years. Tools to help budget and save. Many free ATMs. It warns you if money is low on the app.
These accounts are safe and will help you through college if you learn to manage money. Choose the one with branches if you like going in, or online if you use your phone a lot.
Frequently Asked Questions
What is a student bank account?
It is a special checking account designed for students. This has low or no fees at all, coupled with easy rules.
Do I need money to open one?
Most require $0 or very little to start.
Can it be used after college?
Yes, but fees may start. Some keep no fees if you meet the rules.
What if I am an international student?
Big banks are good, like Chase and Bank of America; bring your passport and student ID.
How do I choose the best one?
Consider fees, the availability of ATMs near your school, and the app. Start with one that has no fees.
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