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absolutely free Student Checking
Free Student Checking Account for Teens and Young Adults
Designed for teens and young adults ages 10 to 20, our Absolutely Free Student Checking account gives you tools that make managing your money easier and support your path to financial independence.
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Open at a Branch 
Student Checking
Smart Money Management Tools for Teens
With a contactless debit card and an easy-to-use mobile app, our Absolutely Free Student Checking gives you simple tools to manage your money with confidence. Access your cash anytime—whether you're buying coffee, paying for textbooks, or splitting the bill with friends. It’s a convenient and secure account that helps you stay on top of your finances. Compare our student checking account with other options to see which fits your needs best.
No fees or minimums
Enjoy a free account with no monthly service fees and no minimum balance.
Direct Deposit Tool
Quickly set up direct deposit with your employer using our direct connect widget in online banking.
Text Banking
Receive your account balance and recent activity straight to your phone with one simple keyword.
Smart Save
Round up your debit card purchases and we'll deposit the extra amount into your savings.
Mobile Wallet
Add your card to your mobile wallet and connect to popular payment apps like Venmo for quick transfers.
Card Controls
Lock or unlock your card instantly in the app and set alerts that help you track your spending.
Account Perks
Student and Teen Checking Account Benefits
Our Absolutely Free Student Checking account equips teens with helpful features that make managing money easier and more rewarding.
Debit Card Rewards
Make Easy Money with Cash Back Rewards
Get rewarded for everyday purchases. With MIDFLORIDA's Rewards for You, you can earn cash back when you spend $10 or more. It's a simple way to make your money work a little harder.
Mobile App
Stay on Top of Your Money with Ease.
With the MIDFLORIDA mobile app, you can check your balance, track your spending, and deposit checks right from your phone. Whether you're between classes or out with friends, your account is always just a tap away! Sign up for online banking and download the app.
Banking at Your Fingertips
Do it all 24/7 with MIDFLORIDA's mobile app.
How to earn Your bonus
Earn Your $50 Bonus in 3 Easy Steps
Follow these simple steps within the first 75 days of opening your Absolutely Free Student Checking account to earn a $50 bonus.
Open Your account
Open a new student checking account online or at a branch with a minimum opening deposit of $25.
Set up online access
Enroll in online banking and eStatement. Then, log in and accept the disclosures.
use Your debit card
Pick up a free debit card and make 5 purchases that must post to your account within 75 days. (ATM transactions don't qualify.)
Other Products & Services
Explore More Banking Options
We offer a range of products and services that are designed to support you as you build strong money habits.
Student Checking FAQs
Got questions about our Absolutely Free Student Checking account? We've got all the answers right here.
Yes, teens and young adults ages 10 to 20 can open an Absolutely Free Student Checking account. Youth ages 10 to 14 must have a parent or guardian as a joint owner, while teens 15 to 20 may open the account on their own if they meet the ID requirements.
Teens and young adults ages 14-20 can open a student checking account online. However, in most cases a young adult's identity cannot be verified online and the student is asked to visit a branch with their ID to complete the account opening process and pick up a debit card. Youth 10-13 must visit a branch to open an account.
Teens 10 to 20 years old must provide their Social Security number. A parent or guardian joint owner must provide their Social Security number and show a valid Florida driver's license, Florida ID card, or Military ID. Teens 15 to 20 opening an account on their own must provide their Social Security number and show a valid Florida driver's license, Florida ID, or Military ID. Visit our New Account Documents page for the full list of required items.
No, our Absolutely Free Student Checking account has no monthly maintenance fee.
You may receive a debit card after the proper ID requirements are provided at account opening.
Yes, parents or guardians listed as joint owners can view the account and help monitor activity through online and mobile banking. This provides helpful oversight while teens learn to manage their money.
Yes, Absolutely Free Student Checking is designed for high school and college students who want simple tools, no monthly service fees, and an easy way to manage everyday spending. It includes mobile banking, debit card rewards, and features that support smart money habits.
No, you do not have to be a student to open the account. However, you must be between 10 and 20 years old to open the account.
1. Offer valid as of January 1, 2026, and may be canceled at any time without notice. MIDFLORIDA Credit Union membership and eligibility requirements apply. See associate for terms and fees. Paper statements not routinely provided. The Absolutely Free Student Checking account is designed for members 10-20 years old. $25 minimum opening deposit required. Depending on age, the account may require a parent or guardian’s signature. Identification: Social Security number required for student; government-issued ID required for either the student or parent/guardian as joint owner to open the account and to receive a debit card. To qualify for the $50 incentive, you must open a new Absolutely Free Student Checking account, accept and open online banking, eStatement and a debit card; and complete five debit card purchase transactions which must post within the first 75 days of account opening. No dividends paid. Annual Percentage Yield is 0.00%. Limit one incentive per Social Security number. Past checking account holders and previous recipients of checking account incentives are ineligible. New account must remain open and unrestricted at least 90 days to qualify for incentive. The incentive will be deposited to new Absolutely Free Student Checking account within 90 days of account opening after the qualifications have been met, and will be reported to the IRS.
