Student Account

The Perfect Checking Account for Your Needs

At South Texas Credit Union, our student checking accounts are designed to make managing money simple, affordable, and convenient.

  • No Monthly Service Fees – More money stays in your pocket.

  • No Minimum Credit Score Requirement – Start building your financial future today.

  • Free Instant-Issue Wireless Tap Visa® Debit Card – Get your contactless card instantly and pay securely with just a tap.

  • Free Mobile Deposit Capture – Deposit checks anytime, anywhere.

  • Bill Pay Access – Pay rent, utilities, and subscriptions with ease.

  • 55,000+ Surcharge-Free ATMs – Withdraw cash worldwide through the Allpoint Network—no fees, no hassle.

  • Secure Mobile Payments – Use Apple Pay, Samsung Pay, and Google Pay for fast, safe transactions.

  • No Hidden Fees – Transparent banking you can trust.

Whether you’re on campus, at work, or on the go, your money is always within reach.
Open your student account today and experience more access, more convenience, and more freedom.

Must present High School or College ID at the time of account opening
Minor (younger than 18 yrs of age) must open account with a parent or legal guardian as a joint owner

*After 60 days for new accounts

**On a limited basis

Membership Benefits FAQs

Overdraft protection allows funds to be transferred from your regular share accounts to your share draft account in case there is not sufficient funds at the time of share draft posting.

There is also a special overdraft protection loan, which must be applied for and approved first. This open end loan is meant to cover any case of insufficient funds.

The Board of Directors, as required by law, reviewed and set the rates effective January 1, 2022. Risk based lending guidelines are followed as per federal regulation. Rates are subject to change without prior notice. For further information regarding applicable fees and terms, contact an employee at any South Texas Federal Credit Union office.