Student Checking

Students Deserve Rewards. Get 5% Cashback* Every Day. 

As the Official Credit Union of the University of Kentucky, we understand that students need a little extra support. That's why we created the Student Rewards Account, which includes all the benefits of our UKFCU Checking Account with some additional perks especially for students!

And one of those perks is 5% cashback* on all debit card purchases! Wherever you shop and wherever you go, you'll earn 5% cashback* whenever you swipe your debit card. And to make it even better, the Student Rewards Account also has no overdraft fees! More cashback and less fees, exclusively for students aged between 13 and 25. What's not to love?

Click below to get started today or visit one of our seven branches!

Existing Members Open Account New Members Open Account

UKFCU Student Rewards Account Benefits

Your UKFCU Student Rewards Account includes features that allow you to manage your money, your way. On-the-go, online, or at one of our conveniently located branches, you have the flexibility that fits your lifestyle.

The Student Rewards Account is open to students aged between 13 and 25 and includes the following benefits:

  • 5% Cashback on All Debit Card Purchases
  • No Overdraft Fees
  • No Monthly Service Charge
  • Online and Mobile Banking
  • Apple Pay and Samsung Pay 
  • Over 65,000 Fee-Free ATMs
  • Instant-Issue Visa Debit Cards
  • No Minimum Balance
  • Online Bill Pay and Mobile Deposit
  • Direct Deposit Access
  • e-Statements
  • Access to the Amplify Money Management Platform

Don't you want to start earning 5% rewards on all debit card swipes?

Click below to get started today or visit one of our seven branches!

Existing Members Open Account New Members Open Account

* Student Rewards Accounts are checking accounts only available to members 13-25 years of age, enrolled in school (primary, secondary or post-secondary education, verified at account opening). Student Rewards Accounts are eligible for 5% cashback on the sum of all PIN and signature-based debit card transactions. The cashback will be paid to your checking account by the fifth day of the following month’s statement cycle or the next business day. The cashback will be capped at $10 per month per checking account for a maximum annual total of $120. Cashback amounts paid to your account may be considered 1099-MISC income and may be reported to the IRS; please consult your tax professional. If your checking account has a negative balance on any day of the month, you will forfeit the cashback payment to your account for that calendar month. You are eligible for this cashback payment until your Student Rewards Account is converted to a UKFCU Checking account or the date of your 26th birthday. Conversion of a Smart Checking for Students Account to a Student Rewards Account can only be completed by calling 859.264.4200 or visiting a physical UKFCU branch location. Federally insured by NCUA. ** Fee-Free ATMs are available through UKFCU ATMs and the Allpoint, CO-OP and Alliance One Networks.