EARN $100* When you open a Student Checking account with qualifying transactions. Open an Account
A student checks their Personal Student Checking account on their mobile phone.

Student Checking Account

Start here with a Student Checking account.

More benefits and services with no monthly balance requirements for students aged 18-24. $0 Cashier’s Checks, free first year 3×5 safe deposit box at any location2, and more.
$5 fee waived with online statement**. For additional fees, please refer to our Schedule of Fees.2
$100
Open Now

Your Financial Journey Starts Here

Student Checking Account Benefits

Overdraft Protection

No-fee overdraft up to $100 with CoverMeTM. Plus, link other Amerant accounts with Overdraft Protection.

Easily Use Zelle®

Conveniently send money through Zelle®.

No Minimum Balance

No minimum balance requirement.

Free Digital Tools

Free mobile banking and online banking .

No Fees

$0 cashier’s checks and no fees on incoming wires.

Extra Features

Free first-year 3×5 safe deposit box at any location.2

FDIC Insured

All Amerant deposit accounts are FDIC insured up to the maximum of $250,000.

Fraud protection

Zero liability for unauthorized Debit Card transactions. Easily secure your debit card with the Card Controls feature on the Mobile App: Turn your card on or off, set transaction limits, location controls, alerts, and more.

Get on the Right Track with Student Checking

Have you started making your own money? It is time to open your first checking account.  It is never too early to cultivate prudent money-management skills and habits. Amerant Bank offers a student checking account, allowing you to start saving and managing money easily.

This will help you manage money and prepare for the high cost of higher education. Our student checking account is an excellent fit for those who may be ready for their first checking account, are leaving for college, or are starting their first job.

24/7 Banking On-the-Go

Online Banking

Pay bills, manage deposits and transfers, send and receive money, add travel notices, and lock your debit card with our secure online banking service.

Amerant MobileSM

Deposit checks, pay bills, send and receive money, access 24 months of statements, add travel notices, and lock your debit card—all from your phone.

Digital Wallet

A Digital Wallet stores your payment options, such as your Amerant credit and debit cards, allowing you to conveniently use your smartphone or smartwatch to make a purchase.

The welcoming lobby interior of an Amerant Banking Center.

Open a Student Checking Account

Here’s how you can open your Student Checking account.

1
Step One

Open your account online in minutes.
2
Step Two

Or, visit us at a nearby branch.
Open Now

Why Amerant Student Checking

Amerant Bank is the largest community bank in Florida, and we strive to design banking solutions for your entire family at any stage of their lives. We provide a variety of personal student checking accounts designed to complement your unique needs and preferences.

Receive your own debit card and have unfettered access to in-network ATMs throughout Florida with over 2 million ATMs1 around the world that display the Mastercard, Maestro®, or Cirrus® acceptance marks.

Your FAQs About Student Checking Accounts

Amerant Student Checking accounts are designed with students in mind and offer more benefits and services with no monthly balance requirements. Amerant Student Checking accounts prepare young adults and get them on the financial track.

If you’re 18-24 years old and want to open a Student Checking account, you’ll need your Social Security number, a driver’s license or state-issued ID, and contact info. You’ll also need to provide your college/university name and expected graduation date. Students under 18 years old require a parent or guardian as a joint owner.

Student Checking accounts are only available to college/university students. College students under 18 years of age require a parent or guardian as a joint owner.

You can open your account online; or visit a nearby branch or click the contact us button, and a banking specialist will be in touch.

Student Checking accounts remain the same until you decide to change the account. To change the account please visit one of our branches or contact our customer support team to initiate the switchover to another account type.

Student Checking accounts are offered to students 18-24 years old. For other options see our Value Checking and Interest Checking options here.

A Student Checking account can be opened by international students that are attending a college/university in the United States. A social security number, valid ID (driver’s license, passport, student visas or government issued picture ID), and copy of school ID is required at account opening.

We serve the South Florida and Tampa, FL. area. Visit our locations page to find your nearest one.

Yes, we do! It is already available within the Amerant MobileSM app and the Amerant Online BankingSM platform. Learn how to enroll in Zelle®

Yes. Deposits up to $250,000 are FDIC insured.

* Earn a $100 cash bonus as a new Amerant Bank customer when you open a Student Checking Account with 10 qualifying transactions have posted to your account within 60 days for FL residents only.

Bonus/Account Information: Offer not available to existing Amerant customers, those whose accounts have been closed within 90 days or closed with a negative balance within the last 3 years. To receive the bonus: 1) Open a new Student Checking Account with a $100 minimum opening balance, which is subject to approval at an Amerant Bank branch location from 12/20/2024 through 1/30/2025; AND 2) Complete at least 10 qualifying transactions within 60 days of account enrollment. After you have completed all the above requirements and the 10 qualifying transactions have posted to your account within 60 days, we’ll deposit the bonus into your new account within 30 days. To receive this bonus, the enrolled account must not be closed, or restricted, with a positive balance at the time of payout. Eligibility may be limited based on account ownership. Qualifying transactions include: mobile deposit, debit card purchases, online bill payments, Direct Deposit, Zelle®, or ACH credits. Bonus is considered interest and will be reported on IRS Form 1099-INT (or Form 1042-S, if applicable). This promotion may be extended, modified or discontinued at any time, and may vary by market.

** All student Checking account holders will automatically be enrolled in Online statements during account opening. The account holder may Opt-out of online statements through online banking and be assessed a $5 monthly maintenance fee.

1 Available ATMs include Amerant Bank branch locations, Publix Presto! store locations and the Allpoint Network at participating retail locations. Surcharge-Free ATM transactions at Publix Presto! and Allpoint ATMs include cash withdrawals and balance inquiries. To find the closest ATM or Branch location, visit us online at amerantbank.com or allpointnetwork.com.

2 Subject to availability or an equivalent discount on a larger Safe Deposit Box

3 To qualify, the account holder must be between the ages of 18 through 24.

USA PATRIOT Act

To help the government fight the funding of terrorism and money laundering activities, the Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What does this mean for you? When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may ask to see your driver’s license or other identifying documents.

Important Notice Regarding Wire Transfers

IF WE DO NOT HAVE YOUR FUNDS TRANSFER AGREEMENT IN OUR FILES, WE WILL NOT BE ABLE TO EXECUTE TRANSFERS.

We value our relationship and it is important for us to safeguard your privacy and ensure that your funds are protected against fraudulent activity at all times. For this reason, we are providing you a link to our Electronic Funds Transfers Disclosure.

Customers who request wire transfers through an Account Officer, should download the new wire transfer “Wire Transfer Form” to authorize this type of transaction. The E-sign Agreement will only need to be signed the first time a wire transfer is initiated.

For fees related to this service, review our Schedule of Fees.

Deposit Agreement

IMPORTANT FUNDS AVAILABILITY INFORMATION

Please review Amerant’s Deposit Agreement brochure.

Know Your Customer

Managing a successful Know Your Customer (KYC) Program is a requirement of the U.S. banking system. Learn More.