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.

Student Checking comes with a free Debit Mastercard® card that makes it easy to pay for movies, lunch, or boba while hanging out with friends. You can even have your paycheck from a student job deposited automatically with direct deposit.

Whether you are at home, school, or on the go, our top rated Mobile App lets you keep an eye on your money right from your phone or tablet.

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

Patelco Student Checking Benefits

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Debit Mastercard® Card

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

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Easy Money Transfers

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

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Top-rated Mobile App1

Access your accounts on the go


30,000+ Fee-free ATMs

Find one near you

A Patelco member works with a Banzai financial planning coach.

Virtual Financial Coach

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

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Financial Partner for Life

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

Frequently Asked Questions

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
A man gets ready to pay for a purchase with the Patelco debit card.

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 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.


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