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Student Checking

A personal checking account just for students

Ideal Student Checking is a low maintenance checking account that goes anywhere busy students need to go. Whether away at college, traveling the world, or enjoying a summer back home, students can't go wrong with great benefits like the Ideal Debit MasterCard® for everyday purchases, Ideal Digital Banking and the Ideal Mobile App for account management, a huge ATM network, and more.

Student Checking benefits

  • Low maintenance free account for busy student life
  • Ideal Debit MasterCard® , Digital Banking and full access to Ideal's Mobile App with Mobile Check Deposit, bill pay services and more
  • Access to a huge surcharge-free ATM Network
  • Part of the Ideal Student Product Suite

Open an account


Pricing and account information

Minimum opening deposit for Ideal Checking Accounts

  • $50

Monthly maintenance fee

  • $0

Terms and conditions

  • Must be a high school or college student age 24 or under. If the student is under the age of 18, a parent or guardian must also be on the account.
  • At age 25, the account will automatically switch to an Ideal Free Checking Account.
2020 - 21 Holiday Hours

Martin Luther King, Jr. Day

Monday, January 20th
All locations closed.


President's Day
Monday, February 17th
All locations closed.


Good Friday
Friday, April 10th
All locations open regular business hours
Lobby - 9:00 a.m. to 5:00 p.m.
Drive-thru - 9:00 a.m. to 5:30 p.m.


Memorial Day
Monday, May 25th
All locations closed.


Independence Day
Saturday, July 4th
All locations closed.


Labor Day
Monday, September 7th
All locations closed.


Columbus Day
Monday, October 12th
All locations closed.


Veterans Day
Wednesday, November 11th
All locations closed


Thanksgiving Day
Thursday, November 26th
All locations closed.


Day after Thanksgiving
All locations are open regular business hours
Lobby - 9:00 a.m. to 5:00 p.m.
Drive-thru - 9:00 a.m. to 5:30 p.m.


Christmas Eve
Thursday, December 24th
All locations open until 1:00 p.m.
Lobby - 9:00 a.m. to 1:00 p.m.
Drive-thru - 9:00 a.m. to 1:00 p.m.


Christmas Day
Friday, December 25th
All locations closed.


New Year's Eve
Thursday, December 31
All locations open regular business hours
Lobby - 9:00 a.m. to 5:00 p.m.
Drive-thru - 9:00 a.m. to 5:30 p.m.


New Years Day (2021)
Friday, January 1st
All locations closed