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Student Spend Account

Essential money tools for busy students.

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Not a Member? Join Today!

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Learn to manage money while preparing for the future.

Wings’ Student Spend Account is a great way for young adults to get hands-on experience managing their own finances, while building financial literacy skills they can take into the working world.

Convenient Digital Banking Tools

Access and manage your funds with digital banking. 
Convenient Digital Banking Tools<br>

Free ATM Withdrawals

Access our network of more than 80,000 surcharge-free ATMs.1
Free ATM Withdrawals

Free Financial Education

Virtual, online and in-person learning helps develop valuable money management skills.
Free Financial Education

Manage My Cards

Easily turn your cards on or off, set travel notifications or report a card lost or stolen, all from your smartphone. 
Manage My Cards

Earn Dividends

Automatically earn dividends on your checking balances, with no minimums or monthly service fees.
Earn Dividends

Account at a glance:

Wings Student Spend Account


A cash management account for students that offers flexibility and education

Annual Percentage Yield (APY)


Monthly Service Fees

Must enroll in eDocuments; otherwise, a $3.00 paper statement fee applies

Bill Payer Service


ATM Access

80,000+ surcharge-free ATMs1

1Members can make up to 10 free withdrawals at ATMs not owned by Wings per statement cycle; then, a $2.50 fee per transaction will apply.
Membership with $5.00 Share Account required.
Must enroll in eDocuments; otherwise, a $3 paper statement fee will apply.
Account not eligible for Overdraft Protection Plus.

Frequently asked questions about the Wings Student Spend Account

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What will happen if I accidentally overdraft my Student Spend Account?

If you use your debit card for a debit/PIN-based transaction and don't have enough money in your account, it simply won't go through. If your card is used for a signature-based transaction, a scheduled electronic payment, or for a payment hold (such as a gas station or car rental) where the actual transaction is greater than the available balance; an overdraft may occur and you will be assessed a fee.

Will I receive a debit card with the Student Spend Account?

You can request a Wings Visa® debit card, which can be used to withdraw cash at more than 80,000 ATMs, as well as to make purchases in-store and online. 

Got your phone? You’ve got your card.

Forgot your wallet? No problem. Adding your Wings Visa® debit or credit card to your mobile wallet allows you to make payments anywhere Visa is accepted, in-person and online.

Get Started with Mobile Payments

student using their mobile wallet to make a purchase