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Student Checking

Score a FREE Stanley® tumbler*

When you open a new Student Checking account

Central One Stanley Cup.

Start the school year in style with a brand-new Stanley®

What's better than scoring a free Stanley® Tumbler to start the school year off right? How about starting your journey to financial freedom with a Central One Student Checking account, which lets you:

✔ Have your very own debit card (with instant replacement if you ever lose it)
✔ Access over 55,000 surcharge-free ATMs nationwide
✔ Bank with a credit union that gives you access to the fun, gamified financial learning platform Zogo, which pays real rewards for learning about money

Student Checking Account

Our free Student Checking Account is great for kids and parents alike. This account comes with its own debit card for kids to enjoy independence, while providing parents with built-in safeguards like daily limits on spending and ATM withdrawals. It's a great way for kids to learn smart money habits!

ATM and Shared Branch Networks

Access your cash anywhere

You can access your money anywhere in the U.S. with over 5,000 branches through the Shared Branch Network and over 55,000 ATMs1 through the SUM and AllPoint ATM networks.

Mobile & Online Banking

Bank 24/7

Our user-friendly banking app is rated 4.8 stars on the Apple App store based on 1.8K reviews! Plus, we offer the banking tech you've come to expect, from mobile wallets, mobile deposit, online loan payments, and more.

Money lessons made fun

Download the Zogo app

We’ve teamed up with Zogo—a fun, easy way to build your financial knowledge and get rewarded while you learn the basics of budgeting, saving, investing, and more.

Webinars & Seminars

Watch past webinars

Check out our library of past webinars, or attend an in-person seminar focused on important financial topics on campus.

Kickstart your money game.

Make the smart money move — join Central One today.

  • *Promotion valid through October 31, 2025. Must open a new Student Checking account and not have had a Student Checking account within the last 12 months at Central One. One Stanley tumbler per account. $20 minimum deposit required at account opening. $5 OVS membership required.
    Account must be opened at a Central One Federal Credit Union branch.
    Primary account holder must be 13 years or older. If under 18 years of age, a parent or guardian must be on the account jointly.
    1 Free ATM network includes Central One, SUM and AllPoint terminals. Out of network terminal owners may charge a service fee.
    Terms and conditions apply. Federally insured by NCUA.