Turn this summer into a BIG moment with just 3 steps:
- Open a FourLeaf Student Checking Account from May 26, 2026 through September 4, 2026
- Get your FREE Soccer Ball!†
- Goal!!!!!! Start enjoying the perks of your new Student Checking Account.
Our Student Checking Account makes the grade
Help your teen become “money smart” with a Student Checking Account from FourLeaf
- Mastercard® Contactless Debit Card
- No overdraft fees[2]
- $1,000 ATM withdrawal limit and $2,500 point of sale limit
- Access to over 30,000 surcharge-free ATMs nationwide through the Co-op ATM Network[3]
- No monthly service fees or monthly minimum balance requirements
- Send money to friends and family with Zelle®[4]
- Convenient access to the account online through our mobile app and online banking
- Under 18 parent/guardian must be a joint owner
Pay for things with a FourLeaf Debit Card
With a FourLeaf contactless Mastercard® Debit Card, your child can buy lunch, books, or school supplies without carrying cash.
Get the pay day YAY day feeling two days early, with early direct deposit [1]
Enroll in direct deposit and you may be able to access eligible funds up to two days earlier.
Deposit birthday and holiday checks with Mobile Check Deposit
It’s as simple as signing the check and snapping a photo. Plus, it saves a trip to the branch or ATM.
Set savings goals with your teen and help them learn how to budget
Teach them why budgeting is important for reaching their goals, like buying a car. Show them how to track their saving and spending along the way.
Explore other student resources to help your child prepare for their future
FAQs
We have the answers you need for the questions you have on Student Checking Accounts.
If your debit card is lost or stolen, contact FourLeaf immediately.
• Inside the US: Call 866-820-3847.
If you need a new debit card today, please visit your local FourLeaf branch.
FourLeaf is part of the Co-op ATM Network, which allows you to access your money from 30,000 surcharge-free ATMs nationwide. Many Co-op ATMs are conveniently located in local stores, like 7-Eleven and CVS. Just look for the Co-op ATM logo on participating ATMs or click here to find one near you.
When the primary account holder reaches the age of 21, a Student Checking Account will automatically convert to a FourLeaf Free Checking Account. Your account number and debit card number, if applicable, will remain the same and any existing direct deposits and automatic payments you have already set up will remain.
Online and telephone banking are available to children under the age of 18 with parental permission.
A Student Checking Account has no monthly maintenance fees and no monthly minimum balance requirements.
Yes, all FourLeaf Federal Credit Union deposit accounts are insured up to $250,000 through the National Credit Union Administration (NCUA). The NCUA share insurance coverage applies to each share owner, per insured credit union, for each ownership category. For more information on NCUA’s share insurance, please visit www.ncua.gov or call toll-free 1-800-755-1030, option 1.
Anyone between the ages of 13-20 is eligible to open a Student Checking Account. To open a Student Checking Account, your child must establish membership by opening a $5 minimum Student Savings Account.
You can transfer money from your FourLeaf account to your child’s Student Checking Account within Online Banking, by calling 800-628-7070, or visiting your local FourLeaf branch.
Note: You cannot make transfers within Online Banking if you do not have a FourLeaf account.
Important Information
To obtain access to the advertised financial products and services offered by FourLeaf, membership is required, which is subject to approval and requires opening and maintaining a $5 Savings Account.
† There is a limit of one (1) Soccer Ball per new Student Checking or Student Savings Account that is opened. If multiple accounts are opened by the same person, only one (1) Soccer Ball will be provided. $5.00 minimum balance required to open the Student Savings account and to receive the Soccer Ball. $5.00 minimum balance to open the Student Checking online and receive a Soccer Ball. $0.00 minimum balance to open the Student Checking in a Branch and receive a Soccer Ball. For accounts opened in a branch, the Soccer Ball will be provided upon account opening. For accounts opened through a virtual appointment or online, the Soccer Ball will be mailed to the primary account owner’s address within thirty (30) business days of account opening. Offer valid 5/26/2026 through 9/4/2026, or while supplies last.
[1] FourLeaf’s early direct deposit is a service provided by Fourleaf where we may credit your eligible consumer deposit account (non IRA) up to two business days early for an eligible direct deposit. This service is not guaranteed and FourLeaf cannot guarantee you will receive early direct deposit at consistent intervals. Not all direct deposits are eligible and eligibility is determined at FourLeaf’s discretion as only certain recurring deposits may qualify. Qualifying direct deposits are certain ACH credit transactions such as payroll or similar transactions. FourLeaf does not guarantee that any direct deposit will be made available before the date scheduled by the payor, and early availability of funds may vary between direct deposits from the same payor.
[2] FourLeaf will not charge an insufficient fund fee if FourLeaf declines a transaction that may overdraw your account, however, the payee or merchant may assess a fee if a transaction is returned unpaid. In some instances, FourLeaf may be required to pay certain transactions that will overdraw your account resulting in a negative balance, however, FourLeaf will not charge an overdraft fee.
[3] Surcharge-free ATMs through the Co-op ATM Network must show Co-op ATM logo. ATM transactions performed at ATMs outside of the Co-op ATM Network may be subject to the ATM owner’s fee. Please visit our online ATM Locator for a list of surcharge-free ATMs.
[4] Must be at least 18 years old, have an eligible account, and a valid email address or U.S. mobile phone number registered within FourLeaf Online and Mobile Banking profile to use Zelle®.
This promotion is in no way sponsored, endorsed, administered by or associated with Early Warning Service, LLC or Zelle®.
Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.
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