Student Accounts

Male student against colored wall with backpack, checking mobile phone.

Student Banking That Grows With You

High school, college, first job, first apartment. Your money starts to take on more responsibility, and your account should keep up.

At SPX FCU, student banking is designed to be easy to use, easy to understand, and ready for real life.

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Account Today!

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Student Checking Account

For everyday spending and independence
This account gives students the tools to manage money on their own while still having the support they need along the way.

Account Features:

  • No monthly fees
  • No minimum balance requirement
  • Free debit card
  • Online and mobile banking access
  • Direct deposit available
  • eStatements for easy tracking
  • Shared branching for out-of-town access
  • 2% cashback on debit card purchases, up to $10 per month
  • For students 16+ (with a parent or guardian as co-signer), this account is a simple way to start handling day-to-day finances.
Hats being thrown in the air by graduates

Student Savings Account

Start saving early
Saving does not have to be complicated. This account makes it easy to build the habit and watch your balance grow over time.

  • Open with as little as $5
  • Dividends earned on qualifying balances
  • A simple way to set aside money for short- and long-term goals

      Support Beyond the Account

      Student banking at SPX FCU is not just about access, it is about learning how to use your money with confidence. T;hThee goal is to give students guidance, access, and tools that help you feel in control of your money

      We focus on:

      • Understanding how to budget
      • Keeping track of spending
      • Building consistent saving habits
      • Making informed financial decisions

      Member Benefits

      When you open a student account with SPX FCU, you also have access to:

      • Online and mobile banking
      • Mobile check deposit
      • Debit card access
      • eStatements and direct deposit
      • ATM and shared branching access
      • Local support in Rochester

      Everything is designed to stay simple and easy to manage.

      Get Started

      Stop by SPX FCU to get started. If you have questions, our team is here to help you through it.

      Contact Us

      See What the SPX FCU Family Are Saying

      I would recommend SPX to anyone looking for a fair and supportive credit union!

      Anthony V.

      member

      A great value we bring to our customers is that we are not just employees, we are lifelong members.

      Bob C.

      employee

      Everyone is treated like family at SPX. I’m proud to work here and I’m thankful that everyone at St. Pius is a part of my life.

      Katelyn M.

      employee

      We offer a personalized service to our membership that is unmatched by our competition. We help create a more financially sound future for our members.

      Matt A.

      employee

      As a member of St. Pius Credit Union, I’ve experienced the most wonderful customer service assistance in banking.

      Randolph G.

      member

      SPX has excellent customer service. Everyone is helpful and friendly!

      Shirley D.

      member