Smart Start Checking

Students age 18-24 have different needs, that's why we created the Smart Start Checking Account. Young adults can enjoy tools and resources like Bill Pay and Zelle® to develop fundamental money management skills while lowering the chances of being charged hefty fees for overdrafts and foreign ATM use.

Students can bank easy knowing there are:

No Foreign ATM Fees

Students can use ATMs outside our ATM Networks for free*.

No Overdraft Fees

No Overdraft Privilege Service means the account stays in the positive.

No Wire Transfer Fees

Wire funds to your student with ease whenever they need them.

Account Details

With a Smart Start Checking Account, young adults have access to an account with all the bells and whistles, without the risk.

No minimum to open
No monthly service charge
No minimum balance required

Enjoy free Direct Deposit and Early Pay with every Insight checking account. Get access to your funds up to 2 days earlier with Early Pay from Insight Credit Union.

Our Debit Cards feature tap to pay contactless technology, EMV chips and are available for Instant Issue at select Insight locations if you need a new card ASAP. Plus, pay with confidence using their phone with Visa® and Apple Pay®, Google Pay® or Samsung Pay®.

Manage your money easily with free eStatements and access to Digital Banking, Mobile Deposits, free credit score monitoring and more!

Requirements

Must be age 18-24 to qualify for an Smart Start Checking Account. School-issued student identification needed.

Download Smart Start Checking Info

Insight Credit Union and You. Better Together.

At Insight Credit Union, you're a member, not a customer. Every member is an owner/shareholder and profits are returned to members. This is reflected in Insight’s ability to pay higher dividends on savings, offer lower interest rates on loans and provide expanded products and services at less cost.

The Credit Union Difference

Member-owned
Lower loan rates and higher deposit rates
Lower fees and no hidden charges
Lower or no minimum balance requirements

Membership is open to anyone who lives or works in select Central Florida counties. View complete membership details.

Opening a Smart Start Checking Account is easy!

Already a member? Log into digital banking to open a Smart Start Checking account today.
Not yet a member? Use the link above to register and provide your information to apply for membership, accounts, and loans.
Check Application Status! You can also check the status of submitted applications, or continue where you left off with an application already in progress.

Start Your Next Step

When you turn 25, your Insight Smart Start Checking Account will convert to a Free Checking Account. However, we offer other accounts that may be a better fit. With our Incentive Checking Account you can earn over $900⁺ in interest a year, simply by doing things you're probably already doing.

Learn More >

^{*Insight Credit Union will not charge you a fee when you us a foreign ATM or MoneyPass ATM, but the owner of the ATM may still charge you a fee.}

⁺^{Approximate interest earned on $20,000 average daily balance at standard rates and does not include potential overdraft/returned items or other fees. The rate may change after account opening. Monthly qualifying transactions required to earn maximum APY.}