Better Banking. Better Lives.

Student Checking

If you’re just starting your financial journey, you want a checking account that has lots of options without a lot of fees or hassle.

We have it at HOPE!

HOPE Student Checking¹ is designed with your needs in mind. It’s a free account that offers fantastic features like mobile banking,money management tools, and protection from overdrafts.

This is a great choice for people who are 18-25 years old at account opening and want to establish their own banking history without a parent or guardian.² It also does not require an extensive credit history.

HOPE’s Student Checking Is Affordable and Convenient

  • No Minimum Balance Requirement
  • No Monthly Service Fee
  • Unlimited Number of Check Transactions (with 100 Free Checks at Account Opening)
  • Free HOPEAnytime Debit Card
  • Free HOPENet Online, Mobile and iPad Banking Services³
    (All with Remote Check Deposit6)
  • Free Online BillPay to Pay Businesses or Friends
  • Free ATM Withdrawals at any HOPE ATM and Participating CO-OP and CU24 ATMs4
  • Automatic ATM Fee Refunds of up to $5.00 per Month for the First 12 Calendar Months After Account Opening
  • Free E-Statements5
  • Overdraft Transfers – Money can be moved from a linked savings account to cover overdrafts for a $1.00 fee.
  • Free Deposits and Withdrawals at More Than 5,300 Shared Branching Locations Nationwide6

You can also manage your funds with greater ease and confidence using our HOPE Smart Money Personal Financial Manager.

Apply for HOPE Student Checking online or stop by your nearest branch to open an account.

1A Student ID is not required to open this account.
2Student checking accounts for members in good standing will be converted to another type of HOPE checking account the month following their 26th birthday. HOPE will convert the student checking account to the type of checking account that is most advantageous to the member based on their qualifications. The new account may charge a monthly service fee and/or have different minimum balance requirements to avoid the fee.
3Wireless carrier message and data fees may apply.
4Non-HOPE ATMs may charge fees.
5Accounts that do not register for e-statements in the first 60 days of account
opening will be assessed a $2.00 monthly paper statement fee until the account is registered for e-statements.
6Remote check deposit and shared branching services are available 60 days after the account is opened.


Featured Stories

Hope Credit Union Expands into Southwest Little Rock

LITTLE ROCK, AR – Hope Enterprise Corporation and Hope Credit Union (HOPE) celebrated the grand opening of its newest location at 8411 Interstate 30 in Southwest Little Rock on Thursday, June 2. The new full service location expands on HOPE’s existing presence, a program office housing a commercial lender since 2006 and a branch in College Station since 2008, and offers area residents access to checking and savings accounts, auto loans and credit cards, mortgages and small business loans. Anyone who supports the mission of HOPE, to improve the quality of life for low-income and low-wealth individuals in the Mid South, may join the credit union to take advantage of the benefits of membership. “We are excited to open our newest branch in Southwest Little Rock, a diverse and growing community filled with opportunity,” said HOPE CEO Bill Bynum. “We are grateful to our long time partners the Winthrop Rockefeller Foundation, NeighborWorks® America and Regions Bank for their ongoing generosity and support to make this day possible.” Since 2008, HOPE has expanded from 7 to 27 locations – many of which are located in communities where few affordable banking options exist. HOPE serves 30,000 members, one out of three of whom were unbanked when they joined. Through July 31, 2016, HOPE will feature special offers to help make it more affordable for people to become members. The credit union will waive the monthly fee on all checking accounts for six months and the application fee on personal loans. HOPE offers checking and savings accounts, consumer and mortgage loans and commercial lending services. The Little Rock branch is open Monday – Thursday 9am – 4pm and Friday 9am – 6pm. For more information about HOPE or a complete list of services and locations, visit About HOPE HOPE (Hope Enterprise Corporation and Hope Credit Union) is a community development financial institution, community development intermediary and policy center that provides affordable financial services; leverages private, public and philanthropic resources; and engages in policy analysis in order to fulfill its mission of strengthening communities, building assets, and improving lives in economically distressed parts of the Mid South.

HOPE Cuts Ribbon on New Orleans Charter School

HOPE Mortgage Originator Glynniece Smith, a graduate of NOLA’s McDonogh 42, holds a painting the school’s student presented to HOPE. Note that the owl, the school’s mascot, is carrying an olive branch just like the HOPE dove! New Orleans, LA (August 19, 2015) – Hope Enterprise Corporation (HOPE) celebrated the re-opening of McDonogh 42, a charter school located in New Orleans’ 7th Ward following significant damage incurred from Hurricane Katrina. Through the New Markets Tax Credit Program, HOPE provided $6 million in financing for the school’s $23 million rehabilitation.

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