Free Student Checking

We stand for making students’ lives easier

At Stanford FCU, we’re always looking ahead to the future. Our community is driven by a progressive spirit—and you’re our next generation of forward thinkers.  Student Checking at Stanford FCU puts your needs first. We provide personal care, and quality electronic and mobile services—without the service charges—to allow you to bank anytime that’s convenient for you, get organized and stay on track, while working on your degree.


  • NO minimum balance requirement
  • NO monthly service fee
  • Mobile and Online Banking
  • Pay A Friend – Send and receive money easily!
  • Visa® Debit Card issued in-branch
  • Set up your Debit Card in CardSwap—available in Online and Mobile Banking, to easily add and update your recurring charges for services like Uber, Lyft, Apple, Google, Netflix, Venmo, Doordash and more
  • Apple Pay, Samsung Pay and Google Pay — available with your credit and debit cards. Learn more.
  • Use any ATM worldwide for free! 4 Surcharge-Free ATM transactions a month
  • NO foreign transaction fees on debit card transactions – perfect for studying abroad!
  • Five local branches and 5,000 CO-OP Shared Branches nationwide
  • Card Nav by CO-OP



Set Up Your Mobile Wallet

Set Up Your Mobile Wallet

Mobile Wallets are no longer the wave of the future. They’re an everyday payment option.

Get started today:

  1. Set up your Mobile Wallet. Choose the option (Apple Pay, Samsung Pay, Google Pay) that is compatible with your mobile device. Download the appropriate app and follow the installation instructions.
  2. Make a Contactless Purchase. Wherever you see the contactless symbol, you can use your mobile wallet. Select the Stanford FCU payment card within your mobile device and either tap or hover your device over the merchant card reader to activate the transaction.

Enjoy all the benefits of your Stanford FCU Visa debit or credit cards using Mobile Wallets.


Learn More

Compare Stanford FCU Student Checking Accounts to Banks – As of January 2018

Stanford FCU
Student Checking
Bank of America
Core Checking
Wells Fargo
Everyday Checking®
Monthly Fee NONE $121 $101
Overdraft Protection Transfer FREE Unlimited2 $12 per day3 $12.50 per transfer4
ATMs on Campus 20 1 4
Using Other Bank’s ATMs 4 FREE per month $2.50 EACH transaction + Surcharge Fee or $5 outside U.S. + Surcharge Fee $2.50 EACH transaction + Surcharge Fee or $5 outside U.S. + Surcharge Fee
Fee-FREE ATMs 30,000 16,000 13,000
Instant Issue Visa Debit Card YES – this is your permanent card No YES (temporary for 30 days)
Branches on Campus 3 None 1
Send money from your checking
to just about
anyone (or receive it)
Incoming Domestic Wire Fee NONE $15 $15
Incoming International Wire Fee NONE $16 $16
Debit & Credit Card
Foreign Transaction Fee
NONE5 3% of U.S. amount 3% of U.S. amount
Opening Deposit None6 $25 $25
Overdraft & NSF Fees $20 $35 $35
Stop Payment Fee $20 $30 $31

See Rates


No Hidden Fees

We don’t believe you should have to pay extra just to use basic banking services. We have the checking account that fits your lifestyle without any hidden fees, allowing you to do more and bank less.

Below Minimum Fee NONE Non-Sufficient Funds
(ACH or Check)
Debit Card Foreign
Transaction Fee
NONE Overdraft Protection
(ACH or Check)
Incoming Wire Fee
(Domestic and International)
NONE Stop Payment Fee $20
Overdraft Protection
Transfer Fee
NONE Outgoing Domestic
Wire Fee
ATM Access Charge for
Non-Stanford FCU ATM
NONE Outgoing International
Wire Fee
Inactivity/Dormant Fee
(12 consecutive months of inactivity)

See Fee Schedule

International Students

Here are the most common questions we receive from International students wanting to learn more about Stanford FCU:

What is the difference between a credit union and a bank?

A credit union is created by a particular population to serve that particular population. For example, IBM has its own credit union, Hewlett Packard has its own credit union and Stanford University has Stanford FCU. Our members (known as customers in banks) are our owners. Credit unions are not-for-profit, so any profit we make, after operating expenses, goes directly back to the members in the form of lower rates on loans, higher rates on savings and low or no-fee financial services. Banks do not require affiliations to companies or organizations. They serve the general population, their main purpose is to make money and their profit is paid directly to their shareholders.

Do you provide international wire services?
Yes. Many of our international students use this convenient service. The fee for sending an international wire varies depending on where it originates. There is NO charge for incoming international wires. When you want to wire money from your bank abroad to Stanford FCU, see our wiring instructions. These instructions are used at financial institutions throughout the U.S.
Do I need a Social Security Number to open an account at Stanford FCU?
No. All you need is your passport and a visa permitting you to study or work in the U.S.
Can I apply for a Visa credit card or loans?
Yes. If you are under 18 years, you will need a qualified co-signer, 21 years or older.
How can I access my account?
There are several ways to access your Stanford FCU account. Mobile Banking and online banking are the most popular; or you can visit any one of our branches on the Stanford campus, talk to a call center representative or use any ATM.
Is my money safe at Stanford FCU?
Yes. Each Member account is federally insured up to $250,000 by the National Credit Union Administration (NCUA), an agency of the U.S. Government.
Do I have to close my account when I leave Stanford University?
No. Once you establish an account with Stanford FCU, you may remain a member and use all of our financial services for life. Even if you move abroad, you can access your accounts online…our international students do this every day!


Comparison information as obtained January 2018 via respective bank websites, and bank disclosures. Information is subject to change.

1 Fee waived when specific criteria are met or you are under 24 years old and enrolled in school.

2 Transfer from Stanford FCU Savings. Overdraft protection also available from Stanford FCU Line of Credit or Stanford FCU Visa®.

3 Overdraft protection from a linked savings account or line of credit.

4 Transfer from a linked WFB savings account. Overdraft protection also available from a Wells Fargo Visa.

5 SFCU does not charge foreign transaction fees on Debit and Credit Card Transactions, but other financial institutions or merchants may.

6 All members are required to have a $5 membership share balance in any of the following accounts: Checking Account, Savings Account, Money Market Account, Share Certificate or Individual Retirement Account.

Note: Please refer to the Truth in Savings Disclosures and Truth in Lending Disclosures of the respective financial institutions for additional details.


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