student checking account

Student Cash Back Checking Account

The Perfect Start of Everyday Money Management for Beginners

Teens and young adults, including college students, that bank with Greater Nevada Credit Union have the option of opening a student checking account that comes with lots of great perks: option to earn up to $120 per year in cash back, no monthly service charge, and more.1

Financial Wellness Begins Here

It’s never too soon to start learning important money management skills. That’s why we created the Student Cash Back Checking account: to help students familiarize themselves with everyday banking (while having the option to earn cash back as a reward).

Though students may apply to open checking accounts without an adult present, there are a couple other requirements.

  • Applicants must be between the ages of 14 – 24 years old.
  • If requested, applicants must be able to provide a student ID or substitute evidence of enrollment in high school or higher education, including college (in-person or online) or vocational school.

Want this student checking account but can’t qualify based on the criteria above? We also offer our Cash Back Checking account without the age or school enrollment requirements.

Student Cash Back Checking accounts are great introductions to personal finance. They also reward students for using their checking accounts regularly. Here are just a few of the perks.

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Up to $120 Cash Back Each Year & No Monthly Account Fees

Meet the monthly qualifications to earn up to $10 each month (based on 1% cash back on purchases on the first $1,000 spent with your GNCU Visa debit card), and enjoy no monthly service fee with this student checking account.

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No Minimum Balance

No need to maintain a minimum balance in any of our checking accounts (but we recommend keeping a healthy amount in yours anyway).

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Every Card Purchase Counts

Unlike elsewhere, both PIN (debit) and signature (credit) purchases with your debit card qualify towards the monthly qualifications.

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Safe & Secure Digital Banking

We understand that you don’t always want to make a trip to a branch. That’s why we made banking online and through our mobile app easy to use so you can bank anytime, anywhere you’d like.

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Nationwide ATM Access

We partner with other credit unions and ATM providers to extend your access to offer fee-free transactions at over 30,000 ATMs across the U.S. through the CO-OP Shared ATM network.

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Always On Patrol

Rest easy knowing we actively monitor all member accounts for fraud with help from Falcon Fraud and other cutting edge tools. Your GNCU Visa debit card also includes coverage by Visa’s Zero Liability Policy2, and you can enjoy complete control over your card through our GNCU Cards app.

Qualify to Earn Cash Back

Qualifying to earn up to $10 per month based on 1% cash back on purchases on the first $1,000 spent with your GNCU Visa debit card is easy. Simply do the following during each monthly qualification cycle:

  • Have at least six debit card purchases post and clear; and
  • Be enrolled to receive online eStatements.

If you don’t meet the requirements during one monthly qualification cycle, then no rewards will be earned. But don’t worry! You can get back to earning the rewards the very next monthly qualification cycle.

Student Checking Account Frequently Asked Questions (FAQs)

How does a student checking account work?

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Student checking accounts work like most average checking accounts, with a few extra benefits. They’re designed to help teenagers and young adults learn about everyday banking needs and get used to using a debit card while earning rewards.

What are the benefits of having a credit union student checking account?

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Opening a student checking account with a credit union means you’ll get access to member-only benefits. At Greater Nevada Credit Union, that means:

  • Option to earn cash back from purchases.
  • No account or maintenance fees.
  • Surcharge-free ATM access nationwide.
  • Opportunity to open other types of accounts or loans offering competitive interest rates across the board.

Do college students need checking accounts?

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As the saying goes, it’s never too early to start saving for your future. Getting younger savers acquainted with money–saving it, spending it, and budgeting it–is a great idea. If you can start before your child goes off to college, even better. Students as young as 14 can open a Student Cash Back Checking account, so you could theoretically start today. Contact us to learn how!

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Apply for a Student Checking Account

Opening a Student Cash Back Checking account online or at your local branch is quick and easy–and so is earning cash back. Or, use our handy comparison chart to find another checking account that offers the advantages you need.

More Financial Resources for Students

Learn how to Live Greater–school is the perfect place to start your journey. We offer lots of resources, products, and services to help students manage their money.

1 Student Cash Back Checking is available to students enrolled in school, ages 14 – 24 years old. Students must be available to present a student ID or substitute evidence of enrollment. Up to $10 in cash back monthly based on 1% cash back on all signature and pin based swipes on the first $1,000 in point of sales transactions per month when qualifications are met. Monthly qualifications are 6 debit card purchases must post and clear and account statements must be delivered via eStatements. “Qualification Cycle” means a period beginning one day prior to the first of the month and ending one day prior to the last day of the month (ex. July 31 – August 30 for August statement). Transactions may take one or more business days from the transaction date to post to an account from the date the transaction is made. Membership requirements apply. Available to personal accounts only.

2 Visa’s Zero Liability Policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa. Cardholders must use care in protecting their card and notify their issuing financial institution immediately of any unauthorized use. Contact GNCU for more detail.