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Student Spend Account

Essential money tools for busy students.

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Learn to manage money while minimizing fees.

Wings’ student account is a great way for young adults to get hands-on experience managing their own finances, while offering protection against overdraft fees. (Note: eDocuments enrollment required; otherwise, a paper statement fee will apply.)

Compare & find the best account for you.

Wings Student Account


A cash management account for students that offers flexibility and education

Annual Percentage Yield (APY)


Monthly Service Fees


Bill Payer Service1


ATM Access

80,000+ free ATMs

Member Rewards Eligible



1Approximately 83% of bill payments are made electronically. Payments may also be made via corporate check or draft check. The specific payment method is determined by criteria including (but not limited to) payee, account information and payment history. Non-sufficient funds charges could occur if funds are not available for payments.

Are there monthly fees or minimum balances with this account?

No, there are no monthly account fees or minimum balances to maintain. However, a Wings membership with a minimum $5.00 Share Savings deposit is required.

What will happen if I accidentally overdraft my account?

In most cases, if you don’t have enough money in your account to process a transaction, it simply won’t go through [and you will receive an account alert?]. Exceptions that are out of our control (and may trigger an overdraft) include instances when certain payees (such as a gas station or car rental) authorize and hold a certain amount, but the actual transaction is greater than the available balance; or a scheduled payment is made via ACH transfer.  

Will I receive a debit card?

Yes, you’ll receive 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. Enroll in Wings Member Rewards to earn points toward valuable rewards with your debit card purchases.

How can I add money to my account?

You can transfer money between Wings accounts, from an external account, deposit checks using Mobile Deposit, set up direct deposit from an employer, and more.


Each year, Wings Financial awards scholarships to outstanding members who plan to attend an accredited college, university, or post-secondary technical school. Explore upcoming scholarship opportunities and get details on how to apply.

Learn About Scholarships

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