Routing # 321076470

Student Checking

Get a head start on being money smart with a free checking account


Free. Secure. Easy banking for teens.

Opening your first checking account is an important milestone and Patelco Student Checking (for ages 13-17) is a great choice to begin establishing healthy banking habits.
 

Special offer to earn up to $1001

For a limited time, when your teen becomes a Patelco member by opening a Student Checking account with a $100 minimum deposit using code R7BWNBFB, we’ll deposit $50 into the savings account. If your teen also opens a Money Market account, we’ll deposit another $50 into Money Market account.

Get started with a Patelco team member who can help open your first checking account. You can meet face-to-face online via Virtual Branch or visit a branch near you.

Patelco Student Checking Benefits

Debit Mastercard® Card

$200 limit on debit card transactions and $100 limit on daily ATM withdrawals

Easy Money Transfers

Instant transfer to and from a parent or friend’s Patelco account, plus link to external accounts

Top-rated Mobile App2

Access your accounts on the go

30,000+ Fee-free ATMs

Find one near you

Virtual Financial Coach

Check out special courses just for youth, including Banzai Junior and Banzai Teen

Financial Partner for Life

When you turn 18, easily convert to a regular free checking account

How to open a Patelco Student Checking account

1

Decide on Oversight

Your teen can open the account themselves or you can be joint owners so you can have more oversight of the account.

2

What Your Teen Will Need

Your teen will need a valid unexpired US passport, state ID or drivers license, or school ID (with picture).

3

Open an Account

The best option is to visit a branch or you can also open an account online through our Virtual Branch.

Student Checking FAQs

Pay with Confidence 

Your Patelco checking account comes with a free Debit Mastercard® that lets you make purchases easily and securely:

  • Secure, contactless purchases with Debit Mastercard
  • Load your card to Apple Pay®, Google Pay®, or Samsung Pay®
  • Zero Liability and Extended Warranty on purchases
  • Mastercard Global Service™ emergency card replacement
  • Overdraft link to a Patelco Savings or Money Market account and pay no fees

Hear from Patelco student members

Want to learn more about how Patelco Student Checking can give teens the tools to build good money habits? Get an early start on the path to lifelong financial success! Watch our video today.

1 The offer applies to new members using code R7BWNBFB to open a new checking account (minimum deposit of $100) at a Patelco branch only. Student Checking is available for ages 13-17. Students age 18 and older will be eligible for Free Checking with the same offer. The $50 checking reward will be credited to the savings account within 5 business days of the qualifying new account being opened. Receive an additional $50 reward by opening a Money Market Select or Money Market Plus account once you’ve met the checking account reward requirement. The additional $50 will be credited to the money market account. Offer ends January 31, 2025. If you receive $600 or more in prizes from Patelco throughout the year, we’ll send you an IRS Form 1099.

2 Over 22,000 five-star ratings on the App Store.

Mastercard and Mastercard Global Service are registered trademarks, and the circles design is a trademark, of Mastercard International Incorporated.

Compare

Up Arrow
" class="hidden">阿波罗