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Student Banking

Get $200 just for using your debit card!*

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We have banking solutions for both high school and college students.

Ages 14-17

Parents can monitor their student's finances while they enjoy independence.

  • Connect your account to Venmo and Cash App for easy payments.
  • Get account alerts for debit card usage.
  • Turn off the account's debit card if it's lost.
  • Use My Cards to effortlessly add your debit card to your digital wallet and enjoy making fast and secure payments when you're on-the-go.
  • Link external accounts in Online Banking for bank-to-bank transfers.
Ages 18-24

Get all the same great benefits available to minors, plus:

  • Send Money with Zelle®.**
  • Get paid up to two business days early with Early Pay.***
  • Overdraft Defense: Free overdraft protection with a linked savings account.
  • Manage your expenses within the mobile app and pay bills using our free Online Bill Pay.
  • Automatic savings to help plan for the future.

With three great accounts to choose from.

Everything Checking Our most popular account with great banking perks.
Open Now

See account details
Schedule an appointment

Free Checking Basic checking with no monthly fee and no balance requirement.
Open Now

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Schedule an appointment

No Overdraft Checking Stress-free checking with no overdraft fees.
Open Now

See account details
Schedule an appointment

How do I get started?

  • If you're under the age of 18, you must apply for a checking account in-person with a co-signer or joint account holder over the age of 18.
  • If you're 18 or older, you can open a checking account online or in-branch without a co-signer.



If you open your account online, provide promo code 25STU in your application to be eligible for the $200 bonus.

Opening in a branch? Get a coupon emailed to you.

Other FAQs

Parent/guardian must have a valid ID:
  • Valid, non-expired US/US Territory Driver’s License with photo
  • Valid PA/OH/VA/MD/WV/NC Driver License Learners Permit with photo
  • Valid, non-expired PA/OH/VA/MD/WV/NC State ID with photo
  • Valid, non-expired Ohio Interim Driver’s License with photo
  • Valid, non-expired US passport/US passport card with photo
  • Valid, non-expired Military/Armed Forces ID with photo
Minors must have: Learner’s Permit, School ID, Social Security Card or Birth Certificate.
  • Document must be original (we cannot accept copies or screenshots)
  • Documents must be valid, non-expired
Using the My Cards section in the mobile app, you can add your debit card to Apple Pay, Samsung Pay and Google Pay. There will be steps to confirm your identity. Once you have completed the steps, your card will be available in your mobile wallet.
Dollar Bank offers several ways to avoid overdraft fees:

1. No non-sufficient funds fees: When you don’t have enough funds in your account to cover a transaction and we don’t pay the item on your behalf, no fee is charged. 

2. Overdraft protection: Money from your savings can be automatically transferred to your checking account to cover transactions that would otherwise overdraft your checking account.

3. No overdraft fees on items under $5.00.

4. If you're looking for an account that comes with no overdraft fees, period, our No Overdraft Checking Account could be a good match for you. This Bank On certified account won't let transactions bring your funds below your available balance, so you'll never be charged an overdraft fee.
Students over 18 have access to Zelle within Online Banking and the mobile app. For those under 18, options such as Cash App, Paypal and Venmo are available. Visit P2P Payments for instructions on how to connect your debit card to these peer-to-peer payment services.
While having a checking account with Dollar Bank makes it easier for the parent/guardian to transfer money to their student’s account, it's not required.
Yes. parents and teens can rename their account in the Dollar Bank Mobile App. 

1. Click on the account name in the Account Summary page. 

2. Click Details.

3. Click Change Account Nickname to rename the account in Online Banking. 
If the student is under the age of 18, an adult joint owner is required. If a minor reaches the age of 18 and the parent/guardian no longer wants to be on the account, both account owners must visit a branch to have the parent/guardian removed.

*$50 minimum opening deposit for all retail checking accounts. 0.00% Annual Percentage Yield for Free Checking and No Overdraft Checking. 0.10% Annual Percentage Yield for Everything Checking. Everything Checking requires six qualifying posted payments made per month or a $2,500 average monthly checking balance to avoid a $5 monthly service fee. Fees may reduce earnings. Rate(s) may change after account opening. All rates are accurate as of 7/1/25 and are subject to change without notice. For more information, see Account Information Schedules. Account opening is subject to approval and accounts are available only to consumers residing in Dollar Bank’s markets. To qualify for the offer, account must be opened by 12/31/25 and coupon sent via email must be presented at account opening if opening at a Dollar Bank office. Offer for new customers between the ages of 14 through 24 at the time of account opening. Those who had an open checking account within the past 180 days are not considered to be new customers and are not eligible for the offer. $200 is available in one $200 credit. To receive the $200 credit, the account must have cumulative Point-of-Sale purchases using their debit Mastercard® that total $300 or more which post and clear the account within 90 days of account opening and the account must be in good standing. Qualifying debit card purchases are made at point of sale using your signature or PIN, or electronically or online using your debit card number, including recurring payments. The $200 credit will be added to the new checking account within 40 days of the qualifying point-of-sale purchases. Maximum amount is $200 per account and one per household. Subject to 1099 tax reporting.

**To send or receive money with Zelle®, both parties must have an eligible checking or savings account. Transactions between enrolled users typically occur in minutes. Select transactions could take up to 3 days.

***Early Pay is available for retail account customers in good standing who set up direct deposit with their employer or other payer to receive electronic deposits of regular periodic payments (such as salary, pension or government benefits). The timing of when a transaction is credited is based upon when the payer submits the payment instructions to Dollar Bank. Early Pay is not a guarantee that you will receive your direct deposit earlier than your scheduled pay date and Early Pay may be delayed due to unanticipated circumstances.

Mastercard is a registered trademark of Mastercard International Incorporated.

Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license. Terms and conditions apply.

Apple Pay® is a registered trademark of Apple, Inc.

Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd.

Google Pay™ is a registered trademark of Google Inc.

Cash App is a registered trademark of Block, Inc.

Venmo is a registered trademark of PayPal, Inc.