Meridian Student Checking

A checking account designed for students ages 17–24. No monthly service fee. Build healthy financial habits with mobile tools and budgeting features.

$0 monthly service fee for students ages 17–24

Account Summary

Monthly fee$0
Eligible ages17–24 years old
ATM access16,000+ fee-free ATMs
Mobile depositIncluded, free
Overdraft assistNo fee if ≤$50 overdrawn

What's included

Everything you need for everyday banking, built into one account.

$0 Monthly Fee

No monthly service fee for eligible students ages 17–24. No minimum balance required.

Mobile Banking

Deposit checks, send money with Zelle®, set up alerts and track spending from the app.

Budgeting Tools

Set spending alerts, categorize transactions, and track your budget right in the app.

Overdraft Assist

No overdraft fee if you're overdrawn by $50 or less at end of business day.

Free Debit Card

Make purchases, withdraw cash at ATMs, and add to your mobile wallet.

Build Credit

Access your credit score and get personalized tips to start building your credit history.

Designed for students

Ages 17–24

No monthly service fee — no hoops to jump through

After Age 24

Account converts to Total Checking® (fee waivers available)

Parent Link

Optional co-owner for students under 18

FDIC Insured

Up to $250,000 per depositor

Secure Banking

256-bit encryption on every transaction

Zero Liability

Protection against unauthorized charges

Real-Time Alerts

Instant notifications for all activity

Ready to open your account?

It takes just a few minutes to get started. Open online or visit a branch near you.

Common questions

What do I need to open this account?
How do I set up direct deposit?
Can I access my account from my phone?
How do I avoid the monthly service fee?
What happens if I overdraw my account?

Need help choosing?

Call 1-800-MERIDIAN or visit a branch.

FDIC
Meridian Bank deposit products: FDIC-Insured · Backed by the full faith and credit of the U.S. Government
Equal Housing Lender

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