A Student Checking account that supports your next steps
Start your financial journey with a simple, no-fee student checking account that helps you save, spend, and build smart habits for a strong future.
It’s your money and your future, and we’re here to help
With no monthly fees, digital tools, a built-in savings feature, and flexible access, you get everything you need to start managing your money right, whether you’re studying, working, or heading off to college.
- No monthly fees or minimum balance
- Up to $20 in foreign ATM fee reimbursements each statement cycle1
- Round-up savings tool that helps you save automatically
- Surcharge-free ATM withdrawals at SUM, MoneyPass, and Allpoint1
- Direct deposit–ready
- Easy access to your money anytime
Find the checking account for you
Our Student Checking account is part of our full suite of checking options. Compare them to find the account that fits your goals.
Benefits | Student Checking | Free Checking | Rewards Checking | Lifeline 18/65 Checking | Relationship Checking Premier |
|---|---|---|---|---|---|
Interest Earned | Not included | Not included | Included Yes—up to 4.00% APY (requirements apply)2 | Included | Included |
ATM Access | Surcharge-free at SUM, MoneyPass & Allpoint; up to $20 foreign ATM fee reimbursements1 | Surcharge-free at SUM, MoneyPass & Allpoint1 | Surcharge-free at SUM, MoneyPass & Allpoint1; up to $20 foreign ATM fee reimbursements2 | Surcharge-free at SUM, MoneyPass & Allpoint1 | Unlimited foreign ATM fee reimbursements3 |
Minimum Balance | None | None | None | None | Higher balances are required to unlock benefits |
Special Benefits | Round-up savings tool | Free checking with debit card included | Earns up to 4.00% APY with simple monthly actions2 | Designed for ages 18 and under or 65 and older | Free checks, free outgoing domestic wires, $500.00 mortgage cost rebate4 A one-time special relationship rate may be available on a CD or IRA account at opening or renewal (within the 10-day grace period), with a minimum increase of +0.10% above the published rate.5 |
Free Digital Tools | Full online & mobile banking suite | Full online & mobile banking suite | Full online & mobile banking suite | Full online & mobile banking suite | Full online & mobile banking suite |
Who It’s Best For | Students building strong money habits | For those who want a simple, no-fee account with no minimum balance. | Everyday spenders who want to earn interest | Younger or older customers seeking simplicity | Customers with higher combined balances who want premium perks |
Limits & Fees | No monthly maintenance fee, no minimum balance! | $10.00 required to open the account, no monthly maintenance fee | Earn up to 4.00% APY and up to $20.00 in foreign ATM fee reimbursements when requirements are met. (Otherwise 0.01% APY.)2 | $10.00 required to open the account, no monthly maintenance fee | $15.00 minimum balance fee (waived with average daily balance and direct deposit)3 |
| Open an Account | Open an Account | Open an Account | Open an Account | Visit a Branch |
Save a little every time you spend
Automatically round your debit card purchases up to the nearest dollar and send the difference to your savings account. It’s an effortless way to build better habits and reach your goals faster.
Online and mobile banking for student life
Manage your account wherever you are—on campus, at work, or on the go—with secure, easy-to-use digital tools built to keep you organized and in control.
- Real-time balances and activity
- Set up automated savings
- Easy transfers from checking to savings
- Pay your Newburyport Bank loan from an account at another bank
- Live chat with a representative
- Monitor and improve your credit score
- Budget better with our Money Management tool
Student Checking Account FAQs
Is there a monthly fee for Student Checking?
How does the round-up savings feature work?
Do I get reimbursed for foreign ATM fees?
Do I need to be enrolled in school to open an account?
Can I use mobile banking with Student Checking?
DISCLOSURES
1 Non SUM, MoneyPass and Allpoint ATM networks may charge a separate fee.
2 The Annual Percentage Yield (APY) is 4.00% as of 04/08/2026. Balances up to and including $15,000.00 will earn an APY of 4.00%. Balances in excess of $15,000.00 will earn an APY of 4.00% to 0.01%. If you do not meet the eligibility requirements during the statement cycle, the rate paid on your account on the entire balance will be 0.01% with an APY of 0.01%. Minimum balance to open the account is $10.00. To be eligible for the interest rates and APY and receive up to $20.00 reimbursement for foreign ATM fees, you must meet the following requirements during the statement cycle: enrollment in Online Banking and eStatements; direct deposits to the account totaling at least $100.00; 10 debit card purchases. Rate is subject to change. Fees may reduce earnings.
3 To be eligible to earn benefits, and waive the $15.00 monthly service fee, you must meet the following requirements during the statement cycle: Have a minimum of $500.00 in total monthly direct deposits to the Relationship Checking Premier account posted and cleared and maintain a minimum combined balance of $10,000.00 including personal checking accounts, savings accounts, Certificates of Deposits (CD) and Individual Retirement Accounts (IRA). Money Market accounts are excluded.
4 $500 mortgage cost rebate for first lien, primary residence only; new loan must be current with payment obligations; new mortgage loan balance must be outstanding for more than 30 days to be eligible to receive the mortgage cost rebate benefit and have a Relationship Checking Premier account within 30 days of loan closing. Credit will be made to the Relationship Checking Premier account in the month following fulfillment of the requirements of the mortgage cost rebate benefit. Applicable loan types include residential mortgage loans, first lien, primary residence only.
5 To increase the interest rate, the customer must make a request by calling Newburyport Bank at 844.639.3483 or visiting a branch in person.
