Minimum to open account is $50. 1$5 reward will be deposited into your account monthly, as long as the qualifications are met each statement cycle. 2ATM fee refunds up to $20 per cycle when qualifications are met. If you do not meet the qualifications per cycle, your account will still function as a free checking account; however, it will not receive ATM refunds. Qualifications are as follows: 1) Be under 23 years of age at the time of account opening and enrolled in school. 2) Enroll in Digital Banking and login at least once per month, 3) Have at least 10 Debit Card purchases (excluding ATM transactions) post and settle per qualification cycle, 4) 3Receive eStatements each qualification cycle. If at any time you un-enroll from eStatements or Digital Banking, your account may be changed to Advantage Checking and no rewards will be received. No minimum balance required. No monthly service charge. Available to personal accounts only, only one account per social security number. Certain restrictions may apply.