2025 Student Checking Promotion

Student Checking Account

Open an account today to be entered for a chance to win $1,000!†
For ages 13 - 20. (Parent/Guardian required if under 18)

Schedule virtual appt to open account

Get excited! Here’s what you need to know to be automatically entered into the promotion for a chance to win BIG:

  1. Open a FourLeaf Student Checking Account from July 7, 2025 through September 5, 2025 and,
  2. Be automatically entered for a chance to win one of the $1,000 prizes†
  3. Start enjoying the perks of your new Student Checking Account!

FourLeaf Federal Credit Union: FourLeaf Student Checking Promotion 2025† Please see Official Rules for more details.

There’s another chance to win when you open a Student Savings Account! Learn more

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Features of a FourLeaf Student Checking Account

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Open with as little as
$0
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No minimum balance requirement and no monthly maintenance fees
$0
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Get your initial FourLeaf Debit Card at account opening for
FREE
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Help your teen become “money smart” with a Student Checking Account from FourLeaf.

  • Mastercard® Debit Card
  • No overdraft fees[1]
  • $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[2]
  • No monthly service fees or minimum balance requirements
  • Send money to friends and family with Zelle®. Must be 18 to access Zelle®.[3]
  • Convenient access to the account online through our mobile app and online banking.
  • Under 18 parent/guardian must be a joint owner.
Surcharge-free ATM’s & shared branches are available nationwide through the Co-op Financial Service network. Please visit our online ATM and Branch Locator for a list of surcharge-free ATMs and shared branch locations. Look for these logos:
Shared Locations
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Pay for things with a FourLeaf Debit Card.

Your child can buy lunch, books, or school supplies without carrying cash.

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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.

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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.

Learn about student savings, scholarships and college planning.

Student Savings

Start saving early and watch your money grow over time.

Learn More
Scholarship Program

Help pay for college with a scholarship from FourLeaf.

Learn More
College Planning

Discover smart ways to plan and pay for college.

Learn More

FAQs

We have the answers you need for the questions you have on Student Checking Accounts.

Yes, you will receive a free FourLeaf Mastercard® Debit Card.

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 minimum balance requirement.

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. Currently, we only open accounts for U.S. citizens and permanent resident aliens.

You can transfer money from your FourLeaf account to your child’s Student Checking Account within Online Banking.
Note: You cannot make transfers within Online Banking if you do not have a FourLeaf account.

Important Information

† No purchase or payment necessary to enter or win. A purchase will not increase your chances of winning. Void where prohibited by law or regulation. Participants must be 18 years of age or older at the time of entry. FourLeaf Federal Credit Union: FourLeaf Student Checking Promotion 2025 (“Promotion”) is geographically open to legal U.S. residents (excluding residents of Puerto Rico, U.S. Virgin Islands, Guam and other United States territories). The Promotion begins on July 7, 2025 at 12:00 a.m. Eastern Time (“ET”) and ends on September 5, 2025 at 11:59 p.m. ET (“Entry Period”). Odds of winning a prize depend on the number of valid entries submitted during the Entry Period. Only one account owner from each account opened will be entered into the Promotion, regardless of method of entry. When opening applicable accounts, if the primary account owner (the student) is under the age of eighteen (18) at the time the account is opened, then the adult joint owner will be entered into the Promotion. If the primary account owner (the student) is eighteen (18) years of age or older, then the primary account owner (the student) will be entered into the Promotion and the adult joint owner will not be entered. Only accounts in good standing when the Entry Period closes will be entered into the Promotion. FourLeaf Federal Credit Union (FourLeaf”) will randomly select four (4) winners from the eligible entries submitted during the Entry Period on Friday, September 19, 2025, by 12:00 p.m. ET. The winners randomly selected will each be awarded a FourLeaf Official Check in the amount of $1,000.00 (the “Prize). The total approximate retail value of all Prizes is $4,000.00. For official Promotion rules and how to enter, visit https://www.fourleaffcu.com/summercheckingrules. Federal, state and local taxes and expenses relating to the acceptance and use of the prize are the sole responsibility of each winner. 1099 Tax forms may be provided to the winners at the end of the tax year, when forms are available.

[1] 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.

[2] 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.

[3] 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®.

Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

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