Build better habits

e-Student Checking

e-Student Checking isn’t just everyday banking features. Our app and online tools help students move from simply checking a balance to understanding their habits. It gives them a place to review spending, create budgets, and start planning with confidence.

Apply now

A student using the 1st Source Bank app for money management and financial wellness

Budget. Track. Grow.

Student banking tools

Manage money in the app

Check balances, deposit checks, pay bills, move money, set alerts, and review activity from online or mobile banking.

Build better habits

Use our online tools to set budgets, review spending, and understand your financial picture better as you learn.

Handle shared expenses

Use Zelle to manage shared costs like meals, rides, and rent. It’s in our app, letting you track everything in one place.^*

Simple tools. Clear steps.

Why students choose it

No monthly minimum balance

$15 to open

e-Student Checking has no monthly minimum balance and no monthly service fee for eligible students.^*

ATM fee rebates

After 90 days

After the account is open 90 days, eligible non-1st Source ATM fees may be rebated up to 3 times or $15 per statement cycle.^*

Eligibility basics

Know before you apply

e-Student Checking is designed for students ages 13 to 24. Clients ages 13 to 17 need a legal adult as a joint account owner. Clients under age 25 do not need to provide proof of student status until their 25th birthday.

View terms and disclosures

Open an account

Free financial education

Learn as you go

You 1st offers free financial education tools to help students and families plan with more confidence. Explore articles, videos, quizzes, calculators, and guides on budgeting, saving, building credit, managing debt, planning for college expenses, and preparing for future goals. Use these resources to learn at your own pace, compare options, and turn financial questions into clearer next steps.

Visit you 1st

Ready to get started?

Open a 1st Source checking account online, compare account options, or contact us if you have questions before you begin. A 1st Source banker is happy to help you understand eligibility and account features before you apply.

Open an account online

FAQ

Can students open checking online?

How much does it cost to open?

Do I need proof of student status?

What happens when I turn 25?

What digital tools are included?

How can I build better money habits?

_{*This account is for clients who are students who provide proof of their student status. Clients under the age of 25 will not be required to provide proof of student status until their 25th birthdate. Proof of student status must be renewed after 6 years or at clients 25th birthday, whichever is later. Clients between the ages of 13 and 17 require a parent or legal guardian as a joint account owner.}

_{**We will refund one 1st Source Bank Overdraft Item Fee or Non-Sufficient Funds Fee per calendar year. This refund will be credited the same business day the fee is charged to your account and will appear on your statement as OD/NSF Fee Reversal. If multiple charges occur due to overdraft or non-sufficient funds, only one charge will be refunded, and the balance of the fees are your responsibility to pay.}

_{***After the account is open 90 days, the Bank will reimburse the fees charged by us and the ATM operator/network for the use of a non-1st Source ATM up to three (3) times or $15, whichever comes first, per statement cycle.}

_{**** Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle. Must have a bank account in the U.S. to use Zelle. Must be 18 or older to use Zelle.}