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Student First Checking

Make the smart choice for your first checking account

Our free student first checking has all the benefits you want

No minimum balance requirements. No monthly service fees. Mobile banking with mobile deposit.

Student First Checking is designed for those who are starting their financial journey and taking their first steps towards managing their financial lives.

This free checking account offers those between the ages of 14 to 18:

  • A checking account that can be opened with any amount
  • No minimum balance requirement to avoid a monthly service fee
  • A Visa debit card  - an instant issue option is available*
  • Mobile banking 
  • Account and transaction alerts
  • Mobile check deposit
  • Estatements 
  • Balances over $1,000 earn dividends
  • And more!

Being financially responsible is a skill learned over time. To help with that, we have helpful articles on a wide range of financial topics available through our blog and our financial resources center. Additionally, these accounts are not eligible for overdraft services or overdraft privilege  - if the funds are not available the transaction will be declined. They also require a joint account holder over the age of 18, like a parent or legal guardian.

Once a Student First Checking account holder turns 19, the account will transition to our Standard Checking unless they qualify for another one of our checking accounts.

When you're ready to get started or need more information, connect with one of our member relationship specialists by stopping by any banking center or giving us a call at 901.380.7400

*Primary member must be between the ages of 14 and 18 and a joint member over the age of 18 is required. Membership is required and can be established by paying a $10 one-time membership fee and making a $25 deposit into a Savings Account. There is a fee for an instant issue debit card. Minimum age requirement for a debit card is 15 years old. First South members over the page of 18 cannot  be the primary member on a Student First Checking and these accounts are not eligible for overdraft services or Overdraft Privilege - the transaction will be declined if the funds are not available. Offers are subject to change or withdrawal without notice. Please see up for complete details. Federally insured by NCUA.

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