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Student Checking

Student Checking


Welcome to financial independence.

As a student, two things you don’t have much of are cash and time. That’s why we offer Student Checking. It’s completely free for members 13 to 23, and comes with convenient tools like a debit Mastercard and mobile banking.


It’s Completely Free

There’s no need to worry about how many transactions you make. With Student Checking, there’s never a monthly charge.  

Earn Dividends

With an average daily balance of just $1, you’ll earn cash – and we’ll add it to your account each month.

Debit Mastercard® Benefits

  • Airport Concierge
  • Extended Warranty
  • Global Service
  • ID Theft Protection
  • Satisfaction Guarantee
  • Zero Liability4

For full details and disclosures, see our Debit Mastercard® Benefits


Monthly Service Charge $0
Minimum Balance $0
Minimum to Open $25
Checkwriting Unlimited
Minimum Age to Open 13
Student-Minded Overdraft Privilege1

Overdraft Protection

Free ATMs3


The following features come standard with every Texas Trust checking account:

» Online & Mobile Banking – Make a deposit. Pay a bill (see how & test drive). Keep a low carbon footprint.

» Mobile App – Texas Trust is always as close as your cell.

» Overdraft Privilege – Because everybody has an “oops” now & then!

» eStatement Paperless Statements – Think of the trees you can save!

» Automated Phone Banking – OK, it's not Siri, but it's cool!

» Free Notary Service5 – You sign, we witness.

» Card Controls – Lost card? Don't worry. Just freeze it.

Mastercard is a registered trademark of Mastercard Incorporated. Accounts opened without a SSN will not be paid dividends and will not be eligible for loans, remote/mobile deposit capture or Overdraft Privilege. Refer to Truth in Savings disclosure for full details on dividend rates and the restrictions applied to international membership. Account features, benefits, and specifications are subject to change without notice.

1 Must be 18 or older.

3 Free ATMs include those owned by Texas Trust or are within the AllPoint™ ATM Network

4 Zero Liability: As a Mastercard cardholder you are not liable in the event of an unauthorized use of your U.S.-issued Mastercard card. This coverage extends to purchases made in a store, over the telephone, or online. Zero Liability is provided under the following conditions: your account is in good standing; you have exercised reasonable care in safeguarding your card; you have not reported two or more unauthorized events in the past 12 months. For full details and disclosures, see Mastercard Zero Liability

5 Pursuant to Texas Law.

At age 24 members are moved to Easy Checking.

See our Truth in Savings disclosures: Share Accounts (Savings and Checking)

You may also be interested in Savings/CDs options.

Serving Dallas, Denton, Ellis, Henderson, Johnson, Tarrant, and Tom Green Counties with branches in Arlington, Athens, Bedford, Cedar Hill, Dallas, Desoto, Flower Mound, Grand Prairie, Hurst, Irving, Mansfield, Midlothian, and San Angelo

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