Student Accounts

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Smart money tools for students

Ideal CU’s student account gives you everything you need to manage your money with confidence. Whether you're saving for college or just starting out, you'll have access to tools that make banking simple and rewarding.

Student Checking

Ideal CU’s Student Checking gives you the tools to manage your money without the hassle. No monthly fees, no minimum balance, and no stress. Whether you're paying bills, getting paid, or saving for something big, this account is built to keep things simple.

Free checking with no monthly fees or minimum balance
Pay bills, transfer money, and deposit checks using our mobile app
Get paid faster with Direct Deposit and Early Payday*
Designed for students up to age 24

Student Savers CD

Saving for college, a car or your next adventure? The Student Savers CD helps you grow your money with higher interest than a regular savings account.

Available for members ages 14 to 17
Open with just $25 and add funds anytime, up to the limit of $1,000
Cash out to your Share Savings Account when you turn 18

Level up your finances - from your home or on-the-go

Digital Banking

Check your account balances anytime, anywhere

Transfer funds between Ideal CU or other banks

Monitor your budget and manage spending habits

Manage your debit cards easily with Card Controls

Chat with IDA for quick help by phone or online

Create and track your personal savings goals

Disclaimers

Student Checking Account: Student Checking: $50 minimum opening deposit. Parent/guardian must be on account if student is under 18.

Student Savers CD: The Student Savers CD must be in the teen’s name and only one Student Savers CD per teen can be opened. The minimum opening balance is $25 and additional dollars can be added at any time, up to the limit of $1,000. Restrictions apply because this Certificate is intended to be used only for the teen’s own money. Student must have a Student Checking account in good standing to qualify for Student Savers CD. If the student needs to cash in the CD prior to their 18th birthday, a penalty of 100% of the interest earned will be assessed.

*Actual availability based on when Ideal CU receives funds.