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StudentChoice Checking

Our StudentChoice Checking account makes the grade and gives you a smart, easy way to manage your money.

  • $10 required to open the account
  • No minimum balance requirement
  • No monthly service charge
  • Free MasterMoney Debit Card
  • Free Online Banking and ePay
  • Free Mobile Banking and Mobile Deposit
  • Surcharge free @ SUM locations
  • 4 free ATM transactions per statement cycle at non WHB locations*
  • 1 free box of Specialty Checks annually
  • 1st Returned Check Item Charge – Free (one time only)**
  • Reduced Debit Card Replacement Fee **
  • Reduced Incoming Wire Transfer Fee **
  • Monitor your account activity with free monthly eStatements or printed copies mailed to your home.


  • Valid School ID must be presented at account opening
  • Primary Account Holder must be at least 16 years of age.
  • Parent or legal guardian must be a joint owner on the account if the primary account holder is under 18 years of age.
  • Ages 16 through 22—at age 23 account will convert to SmartChoice Free Checking

* The host bank or independent ATM owner may charge fees.
**All other standard Winter Hill Bank fees apply to products & services. Winter Hill Bank’s Schedule of Fees is available at any branch office