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Student Checking

Teach teens financial responsibility and build good habits that will last a lifetime.

From birthday card cash to their first real paycheck, Student Checking gives them a place to keep their money until they need it.

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No monthly fees

A checking account shouldn't cost you money. Skip the fees with Student Checking.

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No minimum balance

Use your money however you need without worrying about meeting balance requirements.

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Digital banking app

It's easy to manage your money no matter where you are with digital banking on your phone.

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Nationwide ATMs

Get the cash you need with 55,000 free in-network ATMs and a low $3 out-of-network transaction fee.

Free debit card

Teach financial responsibility with a debit card

A debit card helps teens learn to budget, monitor their spending, and save for the future. Using digital banking to track and monitor their spending, they'll understand how to prioritize their money.

Low minimum opening balance

It takes only $25 to open a Student Checking account

Your teen isn't flush with cash ... yet. That's why our opening balance is only $25, so they can get started on their financial journey.

Parental supervision

Help your teens make good financial decisions

With Student Checking, you can transfer money to their account from yours, from a weekly allowance to emergency cash. You can provide guidance, review transactions, and address any concerns or questions they have. Financial responsibility is a lifelong skill, and everyone makes mistakes along the way. Think of a Student Checking account like training wheels for your teen's money.

How it works

It's easy to open a Student Checking account from Lone Star Credit Union.

  • 1

    Open an account

    It takes only a few minutes to open a Student Checking account.

  • 2

    Make a deposit

    Deposit $25 into your account to get started.

  • 3

    Use your money

    Manage your account with digital banking and our mobile app.

Open a Student Checking account

Top questions

  • Your Member number is used when enrolling in services such as digital and mobile banking, the online payment center, and automated phone banking. It is also your main savings account number.

    Your checking account number is used for sending or receiving money through direct deposit, wire transfers, and bill-payments or for making payments online or by phone.

  • There are a few ways to find your account number:

    • your savings account number, or Member number, can be found on your eStatements in digital banking
    • your checking account number can found on the bottom of your checks after the routing number (311079869)

    You can also find your account number in digital banking. Tap or click on your checking account from the home screen, then tap or click account info (next to history), and the MICR number shown is your checking account number.

    You can also contact our Member Service Center by phone or chat to verify your Member number, checking account number, or loan number.

  • You can easily order checks whenever you need them by going to Harland Clarke’s website. When you place an order, you’ll have the option to choose your preferred style and any other needed products like checkbook registers. You can also order customized checking deposit slips if desired.

  • No, Digital Banking does not allow you to draw your account negative.

  • When you add a debit and/or credit card, the number on your cards is replaced with a secure device number referred to as a token. That token is used to submit the payment to the merchant rather than your actual card number(s).

    • You need to report a lost or stolen debit card promptly in the LSCU Cards app or by calling 866.553.2919.
    • A replacement card will be issued with a new card number.
    • Don’t forget to update any automatic payments with your new card information.
  • Yes. On the desktop version of digital banking, click the plus sign to take you to the Create a Share option.

    On mobile banking, tap the red plus sign at the bottom of the screen and then tap Create a Share to begin the process.


Have a question? Contact us

Set students up for financial success with Student Checking

Help your teen learn about saving, spending, and setting budgets with Student Checking.

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