Student Accounts

Money Management Made for Student Life.
With the UMCU Student Account Package, you’ll get everything you need to spend, save, and succeed—on campus and beyond.

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The UMCU Student Account Package: Your Key to Financial Success in College and Beyond

The UMCU Student Account Package is tailored for college students, offering a comprehensive bundle of financial tools and resources to simplify life during school and beyond graduation. From a hassle-free checking account to free financial education, it’s everything you need to stay on top of your finances while pursuing your goals.

24/7 Online & Mobile Access
Burning the midnight oil studying for finals? No worries—our online banking portal and mobile app let you check your balance, transfer funds, and more anytime, anywhere.
Digital Wallet Compatibility
On the move and forgot your card? Connect your UMCU cards to Google Pay, Apple Pay, or Samsung Pay for seamless, contactless payments.
Nationwide ATM Access
Whether you're traveling for spring break or working out of state for the summer, enjoy free, unlimited access to over 30,000 CO-OP network ATMs nationwide—so you’re never far from your funds.

What’s Included in Your Student Account Package

Free Student Checking Account

Say hello to hassle-free spending with our Go Blue Basic Checking Account:

No monthly fees
No minimum balance requirements
Free debit card featuring exclusive Michigan-inspired designs to show off your Maize and Blue pride.

Perfect for everyday expenses like textbooks, coffee runs, or game-day snacks, this account has everything you need to make student life simpler.

Low-Rate Credit Card

Build your credit history while keeping costs low with UMCU's Visa Platinum Optimum Credit Card:

No annual fee
A low-interest rate

Establishing healthy credit now can set you up for big milestones like buying a car, landing a job, or renting your first apartment.

Savings Account Designed for Students

Start building a strong financial foundation with our Share Savings Account, offering:

No minimum deposits
No monthly maintenance fees
Interest earnings to help you save for both short-term and long-term goals.

Financial Wellness Program

Financial literacy doesn’t have to be a solo journey. UMCU offers free Financial Wellness Workshops to help you master money management skills for life:

Attend online or in-person workshops year-round.
Access one-on-one financial counseling to get personalized advice.

Ready to Get Started?

The UMCU Student Account Package is here to make managing your finances as easy as acing your favorite class. Open your account today and set yourself up for financial success—now and after graduation!

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Disclaimer

Insured by the NCUA.

*A savings account is required to open a debit/checking account. The minimum balance required to open a savings account is $5.00. The current savings account Annual Percentage Yield of 0.05% is a variable rate and may change at any time.

† Offer subject to credit approval. APR as low as 8.99%; maximum APR is 18.99%, based on your credit worthiness. Additional limitations, terms, and conditions apply, and are subject to change without notice. The following transaction fees apply: 1% for foreign transactions, $2 for non-UMCU/non-Co-Op ATM transactions and $2 for each overdraft transfer.

**A $30 fee may be imposed for covering overdrafts created by check, ACH, in-person withdrawal, ATM withdrawal, or other electronic means. Whether your overdrafts will be paid is discretionary, and we reserve the right not to pay if your account is not in good standing.

***Must be a UM or WCC student to be eligible to receive a free sweatshirt. Offer valid while supplies last. Checking account must be open and in good standing at the time sweatshirt is mailed out. Sweatshirt will be mailed out within 4-6 weeks of account opening.