Student Spend Account

Essential money tools for busy students.

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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.

Free ATM Withdrawals¹

Access our network of more than 80,000 surcharge-free ATMs.

Free Financial Education

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

No Minimum Balance

There's no minimum balance requirement (though you can set alerts to keep you aware of your balance).

Card Controls

Easily turn your cards on or off, set travel notifications or report a card lost or stolen.

Earn Dividends

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

Convenient Digital Banking Tools

Easily manage your funds, set up notifications, turn cards on/off, or report a lost card.

Early Pay²

Get paid up to 2 days earlier when you set up payroll direct deposit.

Account at a glance:

	Wings Student Spend Account
Overview	A cash management account for students that offers flexibility and education
Annual Percentage Yield (APY)	0.01%
Monthly Service Fees	Must enroll in eDocuments; otherwise, a $3.00 paper statement fee applies
Bill Payer Service	Free
ATM Access	80,000+ surcharge-free ATMs¹

¹Members can make up to 5 free withdrawals at ATMs not owned by Wings per statement cycle; then, a $2.50 fee per transaction will apply.
²Early Pay is only available to members with eligible accounts enrolled in direct deposit. Qualifying direct deposits include recurring payroll, government benefit payments or similar deposits via the Automated Clearing House (“ACH”) Network. At our discretion we may make funds from your direct deposit available up to two business days early. Early access to direct deposit funds depends on the timing of the payer’s payment instructions and is not guaranteed. Any funds we don’t make available early will be made available according to our Funds Availability Policy. You remain responsible if any deposit to your account is returned or otherwise uncollected. Early availability may be discontinued at any time. Transaction limits and monthly deposit limits for early processing may apply. Bank-to-bank transfers are not eligible for early payment.
Membership with $5.00 Share Account required.
Must enroll in eDocuments; otherwise, a $3 paper statement fee will apply.

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.

Students over 18 years old can enroll in Debit Card Courtesy Pay for extra protection from overdrafts. Click to learn more and enroll.

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