Student Checking — First Horizon National Corporation

The Student Checking account from First Horizon National Corporation is designed to give students a simple, secure and flexible way to manage their day-to-day finances while building strong money habits for the future. Tailored specifically for high school, college and graduate students, this account combines essential banking features with tools and guidance that make it easy to save, spend, and learn responsible financial management.

Why choose Student Checking?

Choosing the right checking account matters at a time when students are establishing their financial identity. The Student Checking account focuses on convenience, low cost, and accessibility:

• Low or waived fees: Designed to minimize monthly maintenance costs for eligible students.
• Easy account management: Intuitive online and mobile banking tools that fit a student’s busy lifestyle.
• Debit card access: A contactless debit card for daily purchases and ATM withdrawals.
• Educational resources: Financial literacy tools and tips to help students budget, save, and avoid debt.

Key features

• No or reduced monthly maintenance fee for students: Eligibility typically applies while enrolled in an accredited educational institution up to a specified age, helping students avoid traditional checking account fees.
• Mobile and online banking: Full access to manage balances, transfer funds, deposit checks remotely, and view transaction history from a smartphone or computer.
• Mobile deposit: Deposit checks quickly and securely using the mobile app camera.
• Overdraft options: Multiple overdraft solutions and alerts to help avoid unexpected fees and maintain control over spending.
• Debit card with contactless payments: Secure, convenient payments in stores and online with EMV chip protection and contactless capability.
• ATM network access: Convenient access to cash via a network of ATMs; certain ATM fees may be reimbursed depending on account features.
• Automatic transfers and direct deposit: Set up direct deposit for paychecks, aid disbursements, or allowances and schedule transfers to savings.
• Parental or guardian options: Joint account or linked accounts are often available to help parents monitor and support student account activity.

Benefits for students

This account is built to meet the unique needs of students balancing academics, work, and social life:

• Financial independence: An accessible way to manage money without relying on cash or others.
• Build banking history: Establish a record of responsible account usage early, which can support future credit and banking relationships.
• Budgeting tools: Track spending, set goals, and categorize transactions to stay on top of finances.
• Security features: Real-time alerts, card controls, and fraud monitoring help protect accounts from unauthorized activity.
• Transition support: When students graduate, options are typically available to seamlessly convert to a regular checking account with broader features.

Eligibility and enrollment

Student Checking is intended for individuals actively enrolled in educational programs. Eligibility requirements typically include proof of enrollment and age parameters. Enrollment is straightforward and can often be completed in person or online through the bank’s account opening process. When opening the account, customers will be asked to provide basic identification and documentation to verify identity and student status.

Typical documentation needed

• Government-issued photo ID (such as a driver’s license or passport).
• Proof of student enrollment (such as a student ID, class schedule, or enrollment verification).
• Social Security number or taxpayer identification number where required for identity verification.
• Initial deposit if required by the account terms — many student accounts have low or no minimum opening deposit requirements.

How to manage your Student Checking account

Managing a Student Checking account is designed to be simple and intuitive. Students can use mobile or online banking to handle most every-day banking tasks without visiting a branch. Common activities include:

• Mobile deposits: Snap a photo of a check and deposit it directly into the account.
• Bill pay: Schedule one-time or recurring payments for utilities, subscriptions, and tuition.
• Money transfers: Move money between accounts, send money to friends, or set aside funds for specific goals.
• Spending insights: Use budgeting tools and transaction categorization to understand where money goes each month.
• Card controls: Temporarily freeze or unfreeze the debit card, set spending limits, and receive transaction alerts for added security.

Security and support

Account security is a priority. Students benefit from protections such as multi-factor authentication for online access, encryption of sensitive data, real-time transaction monitoring, and fraud alerts. In case of lost or stolen cards, quick card replacement and support services are available to minimize disruption. Customer support is typically accessible via phone, secure messaging in the app, and in-branch assistance.

Tips for students

• Set up direct deposit: Receive paychecks, work-study payments, or financial aid disbursements faster and more reliably.
• Create a simple budget: Track monthly expenses and set aside money for essentials, social activities, and savings goals.
• Use alerts: Enable balance and transaction alerts to avoid overdrafts and detect suspicious activity early.
• Save automatically: Schedule small recurring transfers from checking to a linked savings account to build an emergency cushion.
• Monitor responsibly: Review transactions frequently to maintain control and detect errors quickly.

Frequently asked questions

What makes a student checking account different?

Student checking accounts are structured to reduce or eliminate many typical banking fees for qualified students and include features that support mobile-first banking and financial education.

Can I keep the account after graduation?

Many student accounts can be converted to standard checking accounts when the student no longer meets eligibility criteria. Transition options typically preserve account history and provide guidance on selecting the right continued banking relationship.

Is there a minimum balance requirement?

Minimum balance requirements vary by product. Student-focused accounts often feature low or no minimum balance requirements to accommodate varying student incomes and schedules.

Final note

The Student Checking account at First Horizon National Corporation offers a practical, cost-effective and secure foundation for students to manage their finances and build strong money habits. With modern digital tools, educational resources, and account features created for student life, this account helps young people focus on their studies while maintaining financial control and preparing for future financial milestones.

Address Bank: Memphis, Tennessee, U.S.
Bank: First Horizon National Corporation
Headquarters: Memphis
Products: Deposit Accounts
Type: Student Checking