Student Select Checking

KU Credit Union offers checking accounts to fit your lifestyle. Simply Free, Student Select, Dividend, Gold and Advantage checking accounts all provide unique benefits based on your financial needs. All checking accounts offer:
  • Free debit cards with
    CURewards™ points
  • Free online banking and
    bill payment
  • Free mobile banking
  • Free paper statements & eStatements

This checking account is just that: simple. It will give you the resources you need to manage your day-to-day finances without a lot of complex requirements.

‡Some restrictions apply. Courtesy Pay is a non-contractual courtesy and is discretionary. Courtesy Pay may cover overdrafts as a result of checking, ATM, ACH, debit card transactions or other withdrawals. Other, less expensive protection against overdrafts may be available to you. Ask for details.

NCUA Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.
Minimum opening balance requirement=$0
Monthly maintenance fee=$0
Non interest bearing account.
See other service fees that apply to all accounts.

This checking account is perfect for students under age 24.* You want choices, and that’s what you’ll get with the Student Select account. Begin by choosing a debit card design. The debit card is FREE and you’ll earn FREE CURewards™ points every time you use it for signature purchases.** With your CURewards™ points, you can choose from a wide variety of merchandise or travel rewards. We’ll give you an additional 2,500 CURewards™ points just for opening a new Student Select account. Take a look at the online catalog now.

  • No Minimum Balance or Monthly Fees
  • 2,500 CURewards™ points just for opening a new Student Select account.
  • Your choice of debit card design.
  • An annual one-time $28 Non Sufficient Funds Fee (NSF) rebate (for those times that you might accidentally become overdrawn).
  • Up to $10 per month in ATM Surcharge Reimbursements†
  • FREE Checks (our style, one box/order or $10 towards your choice)
  • FREE Mobile Banking
  • FREE Online Services (eBranch, ePay, & eStatements)
  • Shared Service Center Access
  • Overdraft Protection‡

It's easy to open a Student Select checking account. You must have a valid student ID and be age 24 or younger. There is no minimum opening balance required for this account. Call or come in today.

* You must have a valid student ID and be age 24 or under to open the Student Select Checking Account. At age 25, the Student Select Checking Account will convert to a Dividend Checking Account. Dividend checking account terms and fee schedules apply. Requires a primary Savings Account that maintains your membership in the Credit Union.
** A signature purchase is one that you sign for as opposed to using your PIN. Sign to earn CURewards™ points; use your PIN to get cash back. The debit card doubles as your ATM card.
† Use debit card ten or more times for purchases in the previous 31 day period to qualify. ATM Surcharge Reimbursements will be credited to the qualifying account at the end of each calendar month in which ten or more debit card purchases were made.
‡ Some restrictions apply. Ask for details.

NCUA Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.
Open your Student Select checking account for free.
Minimum balance requirement=$0
Monthly maintenance fee=$0
Student Select checking is a non interest bearing account.
See other service fees that apply to all accounts.

Student Choice Loan Solution

The Student Choice Loan Solution can help you and your family fill in the gaps that federal aid may leave behind. With lower interest rates and no origination fees, you could save hundreds of dollars a year by choosing our student loan solution.

Resources

Finances for College Students
If you are like most college students, your top priority is your education, but you can make sure monetary concerns don’t get in the way of your studies by fitting financial management into your schedule.

Listen and Learn:
Finances for College Students Podcast

This account pays dividends and carries no service charge if your average daily balance stays above $400.

† Use debit card ten or more times for purchases in the previous 31 day period to qualify. ATM Surcharge Reimbursements will be credited to the qualifying account at the end of each calendar month in which ten or more debit card purchases were made.
‡Some restrictions apply. Courtesy Pay is a non-contractual courtesy and is discretionary. Courtesy Pay may cover overdrafts as a result of checking, ATM, ACH, debit card transactions or other withdrawals. Other, less expensive protection against overdrafts may be available to you. Ask for details.

NCUA Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.
Current Annual Percentage Yield: 0.05%
Current Dividend Rate: 0.05%
Minimum opening balance requirement=$100.
Monthly service fee $8 if average daily balance is below $400.00.
Dividends Compounded and Credited Monthly.
See other service fees that apply to all accounts.

The Gold Checking account is a personal account for members 50 years and better. If you like to travel, look into our Club:go where you can travel with a group to places near and far.

† Use debit card ten or more times for purchases in the previous 31 day period to qualify. ATM Surcharge Reimbursements will be credited to the qualifying account at the end of each calendar month in which ten or more debit card purchases were made.
‡ Some restrictions apply. Courtesy Pay is a non-contractual courtesy and is discretionary. Courtesy Pay may cover overdrafts as a result of checking, ATM, ACH, debit card transactions or other withdrawals. Other, less expensive protection against overdrafts may be available to you. Ask for details.

NCUA Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.
Current Annual Percentage Yield: 0.05%
Current Dividend Rate: 0.05%
Minimum opening balance requirement=$100
Monthly maintenance fee=$0
Dividends Compounded and Credited Monthly
See other service fees that apply to all accounts.
As an optional perk, Club:go is a financial and social club for members age 50 and older. Although the Club is known for traveling, there are financial and social benefits to membership as well.

The Advantage Checking account is a tiered account designed for members who typically have a high balance in their checking account.

† Use debit card ten or more times for purchases in the previous 31 day period to qualify. ATM Surcharge Reimbursements will be credited to the qualifying account at the end of each calendar month in which ten or more debit card purchases were made.
‡ Some restrictions apply. Courtesy Pay is a non-contractual courtesy and is discretionary. Courtesy Pay may cover overdrafts as a result of checking, ATM, ACH, debit card transactions or other withdrawals. Other, less expensive protection against overdrafts may be available to you. Ask for details.

NCUA Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.
Type/Term Annual Percentage Yield Dividend Rate
$0 - $999 0.05% 0.05%
$1,000 - $9,999 0.05% 0.05%
$10,000 - $24,999 0.05% 0.05%
$25,000+ 0.10% 0.10%
Minimum opening balance requirement=$5,000
Monthly maintenance fee of $10.00 per month if average daily balance is below $5,000.00
Dividends Compounded and Credited Monthly
See other service fees that apply to all accounts.

Account Format

Be certain that you are using the correct account format when you set up transfers from your checking account.
Here is an example of our MICR line information:
1 40 0001234567
A B C

A = Draft Type. 1 = Share, 2 = Loan or Line of Credit
B = Share ID. For example, 01 = Savings, 40 or 41 = Checking, 48 or 49 = Performance Fund (considered a checking account).
C = Your 10 digit account number. If the number is less than 10 digits, add leading zeros to the beginning of the number.

Our ABA/Routing and Transit Number is 303184652.