Sovereign Student Banking

Our Student Banking package gives you simple banking with convenient features designed for students between the ages of 17 and 25, who are heading off to college or want to start managing their own money. With easy-to-use products and services, Student Banking will help you get a great start on a sound financial future.

Here's what's available with your Student Banking package:

• Student Checking account
• Free Student Savings
• Sovereign Debit Card with no annual fee
• Free Online Banking with BillPay

Student Checking Account Features

• No minimum balance requirement
• No monthly fee
• No fee to use other banks' ATMs¹
• Free incoming wire transfers
• Free one-way deposit transfers from a parent's account
• Free first order of checks²
• Unlimited telephone, branch and ATM banking
• Complimentary Student Guide to Money Management
• Opened with every Sovereign Student Banking package

Free Student Savings

• Competitive rates
• Helps you plan for upcoming life events
• FDIC-insured account³
• Opened with every Sovereign Student Banking package

Debit Card Features

• No annual fee
• Use your card wherever the Visa® debit card is accepted and at more than 2,300 Sovereign ATMs in our network
• Earn up to 20% in Cash Rewards at participating retailers⁴

Sovereign Online Banking with BillPay Features

• 100% GUARANTEED⁵ against fraud and late bill payments
• 24/7 access to account balances, transaction history and more
• Easy-to-use BillPay with the ability to receive e-Bills

Other Features/Benefits

• Available Sovereign Easy Access Line of Credit
• Sovereign Account Protector Program
• .25% rate discount on a Home Equity Loan or Line of Credit with automatic payment from a qualifying Sovereign account
• .25% rate discount on Auto Loans with automatic payment from a qualifying Sovereign account

1	ATM owner may charge a separate fee.
2	Free first order of Graystone checks, limited to one box of 20 checks. After first order, students purchase their own checks.
3	Please visit www.fdic.gov for details.
4	Cash rewards are earned on purchases made at participating online retailers through the Sovereign Cash Rewards Program web site or in-store at participating national and local retailers when using your Sovereign Debit Card. Look for terms of the participating retailers' offers on the Sovereign Cash Rewards web site. Participating retailers are subject to change.
5	Please refer to the Online Banking Agreement for details on guarantees and your responsibilities for promptly reporting unauthorized transactions.