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学生边缘检查

Teaches students how to conveniently manage their money on the go.

开户

或打电话 1-800-621-2105

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学生边缘检查

A great start whether they’re at home or college.

关键特性

  • Offered for students ages 15 to 24
  • 没有最低结余
  • 无透支费
  • No monthly Maintenance Service Charge
  • Unlimited transactions 和 check writing
  • 签证® debit card with the convenience of paying at retailers with a tap, a swipe, or a chip
  • 访问超过 78000年surcharge-free 自动取款机 在世界范围内

可能是个不错的选择吧

  • You are a student that wants the flexibility of no minimum balance with the security of no overdraft fees
  • You want to teach your child how to manage their money

怎样开户

问题?

Our experienced, helpful member service team is ready to support you!

1-800-621-2105

即时聊天 安排约会 with 检查 Expert

借记卡

办一张属于你自己的借记卡

Choose from three debit card options when you 应用程序ly for your checking account:

  • 元素 — Our st和ard debit card style
  • Butler University — 回来 the Bulldogs every time you use it
  • 印第安纳波利斯 Indians — Show your support for 印第安纳波利斯’ Minor League baseball team

What are the advantages of a 学生边缘检查 Account?

A college student in bed with her laptop

并不是所有的学习都是在教室里进行的! 学生边缘检查 teaches teens 和 young adults how to conveniently manage their money on the go. They can check their balance at any time, either with the mobile 应用程序 or by logging in online. This will get them in the good habit of keeping an eye on their balance before making transactions. But in case they spend more than is available, they will not be charged an overdraft fee. And with students in mind, we don’t require a minimum balance with this account. With 学生边缘检查, you'll also enjoy:

很给力的功能

  • Unlimited transactions 和 unlimited check writing
  • 没有最低结余
  • 无透支费
  • No monthly Maintenance Service Charge
  • 实时欺诈警报
  • 在线检查图像
  • Ability to connect your account to 苹果支付, 谷歌支付, 三星支付 和 other digital wallets

方便

  • 签证® debit 和 ATM card with security chip accepted anywhere 签证 is
  • 访问超过 78000年surcharge-free 自动取款机 在世界范围内
  • 共享分支访问权限大于 5,000 分支机构 在全国范围内
  • 借记卡丢失? 没有问题. Just freeze it from anywhere using the 卡控制 应用程序. 然后使用 CardSwap when you get your new card to update your payment info in just one place for over 50 online shopping, 流媒体, 以及其他订阅服务
  • The convenience of direct deposit of payroll 

临时演员

Note: The 学生边缘检查 Account does not have dividends 和, 因此, 没有具体费率吗.

开户 Compare to Other 检查 Accounts

How does 学生边缘检查 compare to other checking options?

顾名思义, 学生边缘检查 is just for members aged 15-24 who are enrolled in school. See below for other differences among our checking options

  学生边缘检查 高息支票 基本的检查
  开户 开户 开户
关键好处

适合15至24岁的学生

没有最低余额要求

无透支费

新开户者享5.00% APY for 12 months on balances up to $20,0001

Eligible to earn dividends with only 15 qualifying transactions per statement cycle

Multiple overdraft protection options

前40张免费

没有最低余额要求

Multiple overdraft protection options

前40张免费
一个不错的选择，如果你

Are a student that wants the flexibility of no minimum balance with the security of no overdraft fees

Want to teach your child how to manage their money

Want the flexibility of a traditional checking account while you earn dividends

Typically maintain a high daily balance

Use direct deposit, are 50 or older, or under age 25 — no monthly fee!

You don't want to have to maintain a minimum balance
年收益率(APY) —

5.00% APY on balances up to $20,000 for new accountholders during their 12 months1

 —
无限的事务
没有最低结余
Monthly Maintenance Service Charge

$0

登记遗产时为0美元!

否则，每月5美元

如果您设置直接存款，则为0美元, 保持10美元的余额,在你的元素账户里, or are age 50 or older or under age 25

否则，每月5美元
无透支费 — —
前40张支票免费
  开户 开户 开户

我能指望多少费用啊?

一个人在使用自动取款机

维护费用

The 学生边缘检查 Account has NO monthly Maintenance Service Charge.

透支费

The 学生边缘检查 Account has no overdraft fees, a helpful feature for students learning how to manage their money. 大多数支票账户, there would be up to a $32 overdraft fee each time a transaction occurs when there are not sufficient funds to cover it.

命令检查

Your first 40 检查 for your new checking account are FREE. After your first 40 检查, you can 重新排序的检查 为你着想. Checks typically range from $14 to $30 per 80 检查. Call us for specific check printing pricing 和 reorders at 1-317-276-2105.

其他可能的费用

There are small fees for requested transactions, such as asking for an account history printout or rushing a debit card replacement. 你可以 查看这些费用和其他费用 within the checking account agreement 和 terms 和 conditions. 

That’s it, there are no other fees with 学生边缘检查!

真的没有透支费吗?

一位女士用信用卡付款

这是正确的!

The 学生边缘检查 Account has no overdraft fees, a helpful feature for students learning how to manage their money. 与其他支票帐户, they would be assessed up to $32 each time there are not sufficient funds to cover a transaction. As they keep an eye on their balance, they will see when they need to add funds. 然后, 当他们独自一人的时候, they will already have the good habit in place of not spending more than is available at a given time.

Is 元素 利记 easy to use?

A student laying in the grass on a skate board

是的!

It’s easy to do your banking 和 budgeting with 元素 — no matter where you are. Our goal with online banking is simple: to provide you with a state-of-the-art digital banking experience that you can count on 和 is consistent across all devices.

With 元素 利记 和 our 手机应用程序, you can:

  • Check your balances, make loan payments, 和 transfer money between accounts
  • Deposit 检查 using your phone or computer camera
  • 在线查看检查图像
  • 24/7/365在线支付账单
  • Review your account history with a 14-month electronic archive of statements
  • 定位 分行和自动取款机s 你附近
  • 看到你的 信用评分 任何支票账户或贷款
  • Pay friends 和 family conveniently with Zelle® 加上其他数字钱包选项
  • 和更多的

了解利记更多信息

I like to use digital wallet options (like 苹果支付) to pay for things. 元素提供吗??

Two students talking over a cell phone

是的! 元素 offers a variety of digital wallet options to help add security 和 simplicity to your life—和 we are constantly adding even more options. For instance, your debit card lets you make payments from your checking account via:

  • 苹果支付
  • 谷歌支付
  • 三星支付
  • 贝宝
  • Zelle®
  • 亚马逊重新加载
  • 这个标志 任何接受签证在线支付的地方

Learn 更多的 about 数字钱包选项

Why should I choose 元素 for my checking account?

A woman paying for drinks with her phone

像银行一样，只是更好!

更好的利率. 更少的费用.

因为我们是信用合作社, we return profits to members in the form of reduced fees, higher savings rates 和 lower loan rates.

可信的建议. 新鲜的方法.

We pride ourselves in being a trusted source for financial education. Your financial wellness expert will come to your workplace to answer questions 和 provide you with one-on-one assistance as you navigate the changes that come with each of life's stages.

尊重当地. 在全球范围内访问.

Headquartered in 印第安纳波利斯 since 1930, we rank among the top 3% of credit unions nationally2. We serve members in all 50 states 和 50+ countries. You’ll have access to 5,000+ shared 分支机构 在全国范围内 和 78,000+ surcharge-free 自动取款机 globally.

高科技. 人类接触.

Our technology makes banking with 元素 easy. From quick digital 应用程序lications to online 和 mobile banking, we’ll be by your side wherever you go. We’re here for you with member service available 24/7 和 live chat during the workday.

开户

我怎样开一个帐户?

15至17岁学生

We regret that legal restrictions prevent students ages 15 to 17 from opening a 学生边缘检查 Account online. 15至17岁学生 must complete the PDF会员申请 和 会员附录. 将这些表单返回到一个元素中 位置 或者发邮件给我们 customerservice@dowtek.net. If you need help filling out the forms, please call us at 1-800-621-2105.

18至24岁学生

18至24岁的学生可以 在线申请 只要10分钟! You are also welcome to 应用程序ly in person at one of our 位置.

利记 & 手机应用程序

Once your 学生边缘检查 Account is open, you can 注册利记. Online banking allows you to easily check your balances, 存款支票, pay bills 和 transfer money between accounts from your smartphone, 平板电脑, 笔记本电脑或台式机. 了解更多关于利记的信息.

 

I signed up for 学生 Edge at my college orientation 和 it’s worked great for me. 元素 has five 自动取款机 on my campus so I can access my cash for free!

——鲍比K. | 2018年起加入

可信银行建议. 新鲜的方法.

银行的建议

查看所有银行文章

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相关产品 & 服务
其他检查选项
  1. 1 Promo 5 高息支票 (Promo HINT) is a 高息支票 account with blended rate tiers, meaning the stated dividend rate will be paid on the portion of the balance for each tier. Tier 1获得促销5.00% fixed 年收益率(APY) on balances up to $20,000.00 for the first 12 months from the account opening date. *Tier 2 pays a blended APY ranging from 5.00% to 2.2万美元起计的余额为02%.01 to $50,000.00 和 is variable 和 may change at any time without notice. To earn Tier 1 or Tier 2 dividend rates, 15 qualifying transactions must post per statement cycle on the account. The statement cycle includes all transactions posted after the last business day of the prior month through the last business day of the current month. Accounts not meeting the qualifying transaction threshold will earn 0.05% APY which is variable 和 may change at any time. 利率 are accurate as of July 1, 2024. On the first day of the month following the account opening anniversary month, the Promo 5 高息支票 (Promo HINT) APY will automatically convert to the then current non-promotional 高息支票 account APY which is variable 和 may change at any time without notice. Current 高息支票 account holders, Promo 4 高息支票 account holders 和 those with any 高息支票 accounts closed less than 180 days are not eligible. An existing 高息支票 account cannot be converted to the Promo 5 高息支票 (Promo HINT) account. Limit one Promo 5 高息支票 (Promo HINT) account per person. 其他资格也可能适用. Promotional offer may be discontinued at any time. Only the following are qualifying transactions: Debit card purchases, 检查, 账单支付, ATM withdrawals 和 ACH withdrawals. 没有其他交易符合条件. At least one account holder must be at least 18 years old. 费用可能会减少收入.
  2. 2 Based on asset size as of 12/31/2022.