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学生 Edge 检查

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

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学生 Edge 检查

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

关键特性

  • Offered for students ages 15 to 24
  • No minimum balance
  • No overdraft fees
  • No monthly Maintenance Service Charge
  • Unlimited transactions 和 check writing
  • 签证® 借记卡，可以方便地在零售商处刷卡、刷卡或刷卡付款
  • Access to more than 78,000 surcharge-free 自动取款机 在世界范围内

MAY BE A GOOD CHOICE IF

  • 你是一个学生，想要没有最低余额的灵活性和没有透支费的安全性
  • You want to teach your child how to manage their money

HOW TO OPEN AN ACCOUNT

问题?

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

1-800-621-2105

即时聊天 Schedule Appointment with 检查 Expert

Chat Available Mon-Fri, 9 am-4:30 pm Eastern

元素 Debit Cards

Get a Debit Card that is So You

申请支票账户时，有三种借记卡可供选择:

  • 元素 — Our st和ard debit card style
  • Butler University — 回来 the Bulldogs every time you use it
  • 印第安纳波利斯印地安人队——表达你对印第安纳波利斯小联盟棒球队的支持

What are the advantages of a 学生 Edge 检查 Account?

A college student in bed with her laptop

Not all learning is in a classroom! 学生边缘检查教青少年和年轻人如何方便地管理他们的钱去. 他们可以随时通过手机应用程序或在线登录查看余额. 这会让他们养成一个好习惯，在交易前留意自己的余额. 但如果他们的消费超出了可用的范围，他们将不会被收取透支费. 考虑到学生，我们不要求这个账户的最低余额. With 学生 Edge 检查, you'll also enjoy:

Great Features

  • Unlimited transactions 和 unlimited check writing
  • No minimum balance
  • No overdraft fees
  • No monthly Maintenance Service Charge
  • Real-time fraud alerts
  • Online check images
  • 能够将您的帐户连接到苹果支付, 谷歌支付, 三星支付和其他数字钱包

方便

  • 签证® debit 和 ATM card with security chip accepted anywhere 签证 is
  • Access to more than 78,000 surcharge-free 自动取款机 在世界范围内
  • Shared branch access at more than 5,000 分支机构 在全国范围内
  • Lost debit card? 没有问题. Just freeze it from anywhere using the 卡控制 应用程序. 然后使用 CardSwap 当你得到你的新卡更新你的付款信息在一个地方超过50在线购物, 流媒体, 和 other subscription services
  • The convenience of direct deposit of payroll 

临时演员

Note: The 学生 Edge 检查 Account does not have dividends 和, 因此, does not have specific rates.

Open an Account Compare to Other 检查 Accounts

How does 学生 Edge 检查 compare to other checking options?

As its name suggests, 学生边缘检查只适用于15-24岁的在校学生. See below for other differences among our checking options

  学生 Edge 检查 High Interest 检查 Basic 检查
  Open an Account Open an Account Open an Account
关键好处

For students ages 15 to 24

No minimum balance requirements

No overdraft fees

New accountholders enjoy 5.00% APY for 12 months on balances up to $20,0001

有资格赚取股息，每个报表周期只有15笔符合条件的交易

Multiple overdraft protection options

First 40 检查 FREE

No minimum balance requirements

Multiple overdraft protection options

First 40 检查 FREE
A Good Option If You

学生是否想要没有最低余额的灵活性和没有透支费的安全性

Want to teach your child how to manage their money

想要在赚取股息的同时享受传统支票账户的灵活性

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
Annual Percentage Yield (APY) —

5.在12个月内，新账户持有人的余额最高可达20,000美元，年利率为00%1

 —
Unlimited Transactions
No Minimum Balance
Monthly Maintenance Service Charge

$0

$0 when enrolled in estatements!

Otherwise, $5 per month

$0 if you set up direct deposit, maintain a balance of $10,000 in your 元素 accounts, or are age 50 or older or under age 25

Otherwise, $5 per month
No Overdraft Fees — —
First 40 Checks Free
  Open an Account Open an Account Open an Account

What fees can I expect?

A man using an ATM

Maintenance Fees

学生边缘支票帐户每月不收取维修服务费.

Overdraft Fees

The 学生 Edge 检查 Account has no overdraft fees, a helpful feature for students learning how to manage their money. With most checking accounts, 每次交易发生时，如果没有足够的资金来支付，就会有高达32美元的透支费.

Ordering Checks

Your first 40 检查 for your new checking account are FREE. After your first 40 检查, you can reorder 检查 for your account. 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.

Other Possible Fees

There are small fees for requested transactions, 比如要求打印账户历史记录，或者催促更换借记卡. 你可以 view these 和 other fees within the checking account agreement 和 terms 和 conditions. 

That’s it, there are no other fees with 学生 Edge 检查!

Are there really no overdraft fees?

A woman paying with a credit card

That’s correct!

The 学生 Edge 检查 Account has no overdraft fees, a helpful feature for students learning how to manage their money. With other checking accounts, 每次没有足够的资金来支付交易时，他们将被评估高达32美元. 当他们关注自己的余额时，他们就会知道什么时候需要增加资金. 然后, when they are on their own, 他们已经养成了一个好习惯，即在给定的时间内不超支.

Is 元素 Online Banking easy to use?

A student laying in the grass on a skate board

是的!

它很容易做你的银行和预算与元素-无论你在哪里. 我们哪个赌钱app比较好的目标很简单:为您提供最先进的数字银行体验，您可以信赖，并在所有设备上保持一致.

With 元素 Online Banking 和 our 手机应用程序, you can:

  • 检查你的余额，支付贷款，在账户间转账
  • Deposit 检查 using your phone or computer camera
  • View check images online
  • Pay your bills online 24/7/365
  • 用14个月的电子报表档案回顾你的账户历史
  • 定位 分支机构 和 ATMs 你附近
  • 看到你的 信用评分 with any checking account or loan
  • Pay friends 和 family conveniently with Zelle® plus other digital wallet options
  • 和更多的

Learn 更多的 about Online Banking

I like to use digital wallet options (like 苹果支付) to pay for things. Does 元素 offer that?

Two students talking over a cell phone

是的! 元素提供了多种数字钱包选项，帮助您增加生活的安全性和简便性——我们还在不断增加更多选项. 例如，你的借记卡允许你通过以下方式从支票账户中付款:

  • 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 anywhere 签证 is accepted online

Learn 更多的 about Digital Wallet Options

Why should I choose 元素 for my checking account?

A woman paying for drinks with her phone

Like a Bank, Only Better!

更好的利率. 更少的费用.

Because we’re a credit union, we return profits to members in the form of reduced fees, higher savings rates 和 lower loan rates.

Trusted 建议. Fresh Approach.

We pride ourselves in being a trusted source for financial education. 你的财务健康专家会来到你的工作场所回答你的问题，并为你提供一对一的帮助，帮助你应对人生每个阶段的变化.

Respected Locally. Accessed Globally.

自1930年以来，我们的总部设在印第安纳波利斯，在全国信用合作社中排名前3%2. We serve members in all 50 states 和 50+ countries. 您可以使用全国5000多家共享分行和全球78000多台免费atm机.

高科技. 人类接触.

Our technology makes banking with 元素 easy. 从快速的数字应用程序到在线和移动银行，无论您走到哪里，我们都会在您身边. 我们在这里为您提供全天候会员服务，并在工作日进行实时聊天.

Open an Account

How do I open an account?

学生s ages 15 to 17

我们很遗憾，法律限制禁止15至17岁的学生在网上开设学生边缘支票账户. 学生s ages 15 to 17 must complete the PDF Membership Application 和 Membership Addendum. Return these forms to an 元素 位置 or email  them to us at customerservice@russelslof.com. If you need help filling out the forms, please call us at 1-800-621-2105.

学生s ages 18 to 24

学生s ages 18 to 24 can 在线申请 in as little as 10 minutes! You are also welcome to 应用程序ly in person at one of our 位置.

Online Banking & 手机应用程序

Once your 学生 Edge 检查 Account is open, you can enroll in Online Banking. Online banking allows you to easily check your balances, deposit 检查, pay bills 和 transfer money between accounts from your smartphone, 平板电脑, laptop or desktop. Learn more about Online Banking.

 

我在大学入学指导时注册了学生 Edge，它对我很有效. 元素 has five 自动取款机 on my campus so I can access my cash for free!

——鲍比K. | Member since 2018

Trusted Banking 建议. Fresh Approach.

Banking 建议

View all Banking Articles

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Other 检查 Options
  1. 1 Promo 5 High Interest 检查 (Promo HINT) is a High Interest 检查 account with blended rate tiers, 这意味着规定的股息率将支付给每一层的余额部分. Tier 1 earns a promotional 5.00% fixed Annual Percentage Yield (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 2.02% on balances from $20,000.01 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. 报表周期包括从上月最后一个营业日到本月最后一个营业日之间的所有交易. 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 May 1, 2024. 于开户周年月次月的第一天, Promo 5高息支票(Promo HINT) APY将自动转换为当时的非促销高息支票账户APY, APY是可变的，可以随时更改，恕不另行通知. Current High Interest 检查 account holders, 优惠四高息支票帐户持有人及任何高息支票帐户于180天内关闭的人士均不符合申请资格. 现有的高息支票帐户不能转换为Promo 5高息支票(Promo HINT)帐户. 每人只限一个Promo 5高息支票(Promo HINT)帐户. Other qualifications may 应用程序ly. Promotional offer may be discontinued at any time. Only the following are qualifying transactions: 借记卡购买，支票，账单支付，ATM取款和ACH取款. No other transactions qualify. At least one account holder must be at least 18 years old. Fees may reduce earnings.
  2. 2 Based on asset size as of 12/31/2022.