1. You must be a full or part-time student between the ages of 16 and 24. Effective on your 25th birthday, your account will be converted to a similar product type.
2. Other institutions may impose a fee for use of their ATMs, if not in the SUM Network.
3. Free Student Checking accounts will be reimbursed for one surcharge per statement period. Reimbursements will be reported to the IRS at the end of each tax year.