Student Rewards Checking is the ideal first checking account for teens and young adults heading off to college. It offers all the features of a regular checking account, with the added bonus of cash rewards just for managing your money responsibly.

  • Perfect for students ages 14 to 23
  • No monthly account fee when you enroll in eStatements*
  • Easy banking with the TCU Mobile App, Online Banking, text alerts and more
  • Quick access to your money with a contactless Platinum Debit Mastercard®

Earn cash rewards your first year

This is NOT your parents' checking account! Just by practicing smart money management, we'll reward you with additional cash deposits available exclusively with Student Rewards Checking.

  • $25 when you complete at least six modules in the financial empowerment program through a participating school or independently online
  • $10 if you use the TCU Mobile App, enroll in Online Banking and register for eStatements and Round-Up Savings
  • PLUS $10 for each year that you don't overdraw your account

Heading to college? Take your account with you!

Whether you're going away to school or staying close to home, Student Rewards Checking is the perfect collegiate companion.

  • Use your Platinum Debit Mastercard anywhere Mastercard is accepted
  • Get cash from more than 700 zero-fee ATMs in Indiana and Michigan (and THOUSANDS of reduced-fee ATMs nationwide)
  • Bank at more than 5,000 credit unions across the country through the CO-OP Shared Branch network

Enroll today

Sign up for Student Rewards Checking today online or at one of our 50+ locations


Online Banking — Visit, Select Login and Click Enroll.

Mobile Banking — Download the TCU App from your mobile device. Then you can view your accounts, transactions, transfers funds and more. Also, deposit checks from anywhere using the camera on your mobile device when you enroll in Mobile Deposit.

eStatements — In Online/Mobile Banking go to ‘Settings’ and then eDocuments to receive your statements and notices electronically.

Round-Up Savings — In Online/Mobile Banking go to ‘Accounts & Loans’ and Round-Up Savings and opt-in.

Once you have completed these requirements, you will automatically receive your $10 reward.

For using the TCU app and enrolling in Online Banking, eStatements and Roundup Savings...

You will automatically receive your $10 reward one you have used the TCU App, enrolled in Online Banking and registered for eStatements and Roundup Savings.

For completing the Financial Empowerment Program...

Complete at least six modules in the program you are participating in with a passing score (70% or higher). Then present your Certificate of Completion/transcript at any TCU Service Center to receive your $25 reward. You may either present a printed certificate or present it via your mobile device.

How do I participate in the Financial Empowerment Program?
Check with your school — TCU has partnerships with many schools and colleges that offer the Financial Empowerment Program.
Self-Guided Programs — You can also visit to learn more about self- and mentor-guided programs that are available.

For not incurring any overdrafts...

You will receive the $10 no overdraft award for every 12 consecutive months you go without having an overdraft.

When you turn 24 years of age your account will automatically change to a Performance Checking, which also has no monthly fee if you're enrolled in eStatements. You will keep the same account number and debit card. Only the checking account name and some features will change.