Broke student?
Bank smarter.
Every dollar counts on a student budget. The right account costs you nothing, pays you a little, and quietly builds the credit you will need the day you graduate.
What a student account actually needs
Zero fees, no minimum
You should never pay a monthly fee or be forced to keep a balance. No-fee app accounts are perfect for students, free, instant, and run from your phone.
Cash back on the stuff you already buy
Groceries, transit, coffee. An account with cash back turns everyday spending into a few dollars back each month. KOHO has no fee and cash back built in. Check it →
Build credit before you graduate
A credit score takes time to build, so starting now means you graduate with real history, not a blank file. Look for a tool that reports to the bureaus with no hard check or credit card required.
Round-ups and savings goals
Automatic round-ups and goal buckets help you save without thinking about it, which is most of the battle on a tight budget.
Skip the "student bonus" traps
Some big-bank student accounts dangle a gift card but charge fees the moment you graduate. Read the after-graduation terms before you sign.
Open a free account →