Student Checking
Kids are growing up fast—learning to drive and becoming more independent. It’s the ideal time to teach them about money management. Our PACU Student Checking account, for teens ages 13 to 17, offers real-world money experience with built-in safeguards to help them develop smart financial habits while keeping you informed.
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Student Checking that Builds Good Habits
Our PACU Student Checking account is an all-digital, fee-free account with free perks designed to protect, empower and reward your teen (and maybe ease a few of your worries along the way). These perks are real-life benefits.
Featured highlights of benefits are as follows:
Identity Monitoring and Identity Theft Reimbursement Coverage1,2
Your teen’s information is scanned monthly across 1,000+ databases, tracking everything from postal to cell phone records. If anything seems off, you’ll both be alerted.
If identity theft occurs, a dedicated case manager helps handle the mess, including reimbursement up to $10,000 for covered expenses like lost wages or reissued documents.
Debit Advantage® Buyer’s Protection2
Covers purchases made with your teen’s debit card for up to 90 days against breakage, theft or fire. Extended warranty protection is included.
Parental Guidance Built In: Debit cards are issued at your discretion. You decide if your child is ready to handle this responsibility. No one knows your child’s maturity level better than you.
Roadside Assistance Reimbursement2
Flat tire? Dead battery? Your teen’s covered up to $80 per occurrence, two a year, so help is just a tap away.
Travel and Leisure Discounts1
From museums and movie tickets to restaurants and theme parks, your teen gets access to local and national deals that help his/her dollars go further.
Shopping RewardsTM 1
A custom online portal rewards your teens with cash back when they shop at thousands of top retailers. Who doesn’t like cash back?
Why a PACU Student Checking Account?
No monthly fees. No gimmicks. Just a solid start to financial responsibility with the kinds of extras that teach real-life value.
Belonging Starts with Your New Checking Account.
Exclusive Checking and Savings Bundle from Piedmont Advantage Credit Union
Switching to PACU isn’t just about better banking. It’s about belonging to a financial institution that prioritizes people over profits and community above all else.
For a limited time, open a PACU Simple+ Checking or More Checking account3 to unlock a gift of a PACU Mid-Century Baseball Hat or PACU Nostalgia Tote Bag4. Pair it with a new 12-month or longer-term PACU Share Certificate5 to receive another one of these great gifts.
Sure, built-in free benefits are impressive, but it’s the account that matters most. Our all-digital, fee-free student checking account makes your teens’ everyday money moves easier, faster and frustration-free. No monthly fees. No fine print surprises. Just a modern, mobile-first way to manage money that actually fits into their life.
Free Benefits are Impressive, But the Account Matters Most
Now to What Really Matters: The Account Itself
- No Monthly Fees: More money to save (or spend). No minimum balance requirements. No hoops to jump through.
- Mobile App and Online Banking: 24/7 access to the account.
- Free eStatements: Paperless, secure and organized in the mobile app and online banking account.
- Debit Card Security: Debit cards are issued at your discretion. When you decide your teens are ready to handle this responsibility, they’ll have the capability to:
- Lock and unlock it from their mobile app.
- Have access to 30,000+ surcharge-free ATMs nationwide.
- Tap and go (contactless) with ease and security.
- Digital wallet to add it to Apple Pay® or Google Play®.
Disclosures
1Registration/activation required.
2The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the benefits described. Refer to the Guide to Benefits and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefits or on the certificate of insurance. Insurance products are not insured by the NCUA or any Federal Government Agency; not a deposit of or guaranteed by the credit union or any credit union affiliate.
3Current dividend rates and annual percentage yields for checking accounts are stated in PACU’s Truth-In-Savings Disclosure (“TISD”). Simple+ Checking is a tiered rate checking account. Minimum account balance of $100 required to earn the dividends and annual percentage yields stated in the TISD. If minimum qualification requirements are met during a monthly qualification cycle, the first dividend rate and annual percentage yield stated in the TISD will apply up to the first $20,000 of your account balance, and the second dividend rate and annual percentage yield listed in the TISD will apply to any remainder of your account balance. To meet minimum qualification requirements for a monthly qualification cycle, you must: 1) make 15 debit card purchases that post and settle your account; 2) be enrolled to receive e-statements; and 3) have one direct deposit of $100 or more settled to your account. The monthly qualification cycle is defined as a calendar month. If minimum balance requirements are met but you do not meet all of the minimum qualification requirements during a monthly qualification cycle, the third dividend rate and annual percentage yield listed in the TISD will apply to your entire account balance. As of January 1, 2026, the TISD states the following annual percentage yields for Simple+ Checking: First annual percentage yield, 1.75%; second annual percentage yield, 0.25%; and third annual percentage yield, 0.01%. Dividend rates and annual percentage yields are subject to change and may change after account opening. More Checking does not earn dividends. Student Checking does not earn dividends.
4Promotional bonus offers are for a limited time while supplies last and may be discontinued at any time. Offers not available if you closed a Piedmont Advantage Credit Union (“PACU”) checking account on or after July 1, 2025, or if you had a PACU account that was closed with a negative balance within the last three years or closed within 90 days of account opening. You must be or become a member of PACU to open a checking account or a share certificate account. You can receive only one bonus gift per new checking account and one bonus gift per new share certificate account, and you can only receive one of each of these bonus gifts per membership.
To receive the bonus gift for opening a new consumer or student checking account, you must (i) open and fund (minimum to open $25) a new PACU Simple+ Checking account, More Checking account or Student Checking Account on or after January 5, 2026, and (ii) enroll in online banking, mobile banking and eStatements within thirty (30) days of account opening.
To receive the bonus gift for opening a new consumer share certificate account, you must: (1) have an open PACU Simple+ Checking account, More Checking account or Student Checking Account; (2) open a new consumer share certificate with a term of 12 months or longer (minimum to open 12-Month Save to Win Share Certificate $25, minimum to open all other share certificate accounts $500) on or after January 5, 2026; and (3) fund the new share certificate account at account opening with at least $100 for 12-Month Save to Win Share Certificates and at least $500 for all other share certificate account types eligible for this promotion.
Bonus gifts must be claimed within 90 days of opening your account. Bonus gifts may be picked up at any PACU branch location or mailed upon request at your expense. Failure to claim bonus gifts within 90 days of opening the account may result in forfeiture of the bonus gift. Colors and designs of bonus gifts may vary, and PACU reserves the right to substitute another bonus gift of equal or greater value. These bonus offers may be tax-reportable.
5Current dividend rates and annual percentage yields for share certificates are stated in the Share Certificate Truth in Savings Disclosure. As of January 1, 2026, annual percentage yields for share certificates with a term of 12 months or longer vary between 2.25% and 3.30% depending on certificate type and term length. Dividend rates and annual percentage yields are subject to change.
For more information and disclosures about this account, please click the Personal Disclosures link at the bottom of this page.