State National Bank College Checking Accounts
This free* checking account is available to all full-time graduate and undergraduate students who are able to provide proof of active enrollment in college. Eligibility is subject to verification of student status. And once college is over, you can transition your student checking to a standard checking account with ease!
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Not all banks offer these extras, but you may appreciate these more innovative features:
- FREE from monthly service fee*
- FREE ID Theft Monitoring*
- FREE Instant Issue Mastercard with EMV and Tap-to-Pay features**
- FREE Online banking & Mobile banking
- FREE eStatements
- NO Minimum Balance
- Flexible banking tools
- Customizable eAlerts (Transactional & Security Alerts)
- Bill Pay
- Debit card design with college or university theme*
- Mobile wallet compatibility
- Person to person mobile payment services
- Community Focused Support
The Pros of Student Checking Accounts
The benefits of these accounts vary by bank but often include the following:
- No monthly service charges for students who are actively enrolled in college courses*
- Free debit card with minimal usage fees*
- Only $50 to open
- Free budgeting tools both in the mobile app and online
- Educational resources
You can open your student checking account by calling us at (432) 264-2100, stopping by any of our banking centers.
Tips for Using a Student Checking Account Wisely
Upon opening the account, read the account policies to understand things like the minimum balance required, any monthly service fees, or how ATMs can be used both in-network and out-of-network.
Any tools, such as checkbooks or debit cards, will also have specific usage policies. For example, you should know if there is a limit to how much you can spend with your debit card each day or if checks are free with their account.
Use Online Tools to Monitor Spending
Once you know how the account works, you can better plan for wise money management. Keeping an accurate account balance may be the most useful thing you can do to prevent overspending and avoid overdraft fees. Bank software found online or through mobile apps often comes with planning tools like low balance alerts, and transaction alerts. These will help you see your current balance and any transactions and may even allow you to earmark additional funds for money you want to spend.
Follow Secure Banking Practices
State National Bank has several tools available to help keep funds safe and help you spend securely. Debit cards come with the latest in technology, such as chips and Tap-to-Pay, to help make sure they are processed safely. State National Bank offers features like debit card locking, which helps you control access to your card in real time and many other card management tools right from the mobile app. However, you must do your part to keep your money secure. You can learn how to shop safely online, keep debit card PINs secret, and not share card information with others. Another useful skill is knowing how to check online account balances and look for suspicious transactions.
How Long Can You Use a Student Checking Account?
State National Bank will automatically transition the account to a standard checking account, and there is no need for you to take further action when you graduate from college.
Additional Information
- Other fees such as non-sufficient funds, overdraft, sustained overdraft fees, etc. may apply. See fee schedule for details. Minimum deposit to open is only $50. Ask us for details. Bank rules and regulations apply. Transaction items include all debits and credits. Free gifts may be reported on a 1099-INT or 1099-MISC.
- State National Bank offers a library of instant issue cards to choose from. We also offer certain college themed cards to Howard College. While any college student, enrolled in any college, can receive benefit of the college account. The only themed college themed card images are for Howard College.
- Certain terms, conditions and exclusions apply. Cardholders need to register for this service. This service is provided by Iris® Powered by Generali. Please see your Guide to Benefits for details or call 1-800-MASTERCARD. Mastercard and the circles design are registered trademarks, and Mastercard ID Theft Protection is a trademark, of Mastercard International Incorporated.
© 2025 Mastercard. All rights reserved.
* There is a per transaction fee for using a non-State National Bank ATM, plus any surcharge the owner of the ATM may charge.
** There may be a fee for a reissued instant issue card - please refer to your fee schedule or see us for complete details.
Features, terms, and conditions may change at any time without prior notice. Mobile carrier message and data rates may apply. Third‑party services, including mobile wallet providers, operate independently of State National Bank and may have their own terms and privacy policies. This page is for informational purposes only and does not constitute an offer to open an account. ID Theft Monitoring does not guarantee the prevention of all identity theft. Alerts may not be delivered in real time. See bank for full details.
Getting Started with a Student Account
Stop in or give us a call to get started today! (432) 264-2100