Student Checking Account

Get off to a smart start with LUSO student checking.

Smart Start Share Draft Checking


    The name says it all. Smart Start Share Draft Checking is a smart start for middle, high school and college students.1

    • $10 minimum deposit
    • Fee-free SUM network ScoreCard Rewards ATM card2
    • Requires paperless eStatement processing (free service)
    • Free Online Banking and Online Bill Pay
    • Free Mobile Banking app and Mobile Check Deposit

    1Statement Share Account required to establish membership. Member MUST be in middle or high school with parent/guardian as co-signer or in college and under the age of 24 to qualify.

    2Unlimited ATM fees waived while an active high school student with parent/guardian as co-signer or college student up to age 24. Account automatically converts to a Rewards Share Draft Checking Account when account holder reaches age 24.

    How Checking Accounts Work


      First, the why: Checking accounts give you a safe place to deposit your payroll, personal checks, and monetary gifts. They also let you make secure money transfers between accounts or using the payment app to pay family and friends directly.

      Now, the how: Choose a low-minimum, fee-free basic account to start. You can switch to an interest-bearing checking account as your income grows.

      Keep in mind: If you’re working and earning a regular paycheck, set up direct deposit and paperless statements for added convenience and savings.

      How to get started: It’s easy. Just set aside a small amount of money to deposit and pull together the following documentation:

      • Government-issued photo ID (e.g., driver’s license or valid passport)
      • Social Security card/taxpayer ID
      • Proof of Address (e.g., a recent pay stub or utility bill)

      Make the most of LUSO membership.

      Maximize the benefits of banking with LUSO Federal Credit Union.

      In-School Banking

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      Student Checking Accounts

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