AmeriState Bank
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AmeriState Bank Student Checking

Join the A Team.
Start Building
Your Future Now.

The free student checking account that pays you for good grades. For full-time students ages 13 to 26 in the AmeriState Bank service area.

  • Completely free with no monthly fees and no opening deposit
  • Free debit card, internet banking, and bill pay
  • Earn up to $50 per semester for great grades

All A's earn you

$50

per semester

A's and B's earn you

$25

per semester

The A-Team Student Checking

Let Us Help You Get Started

Fill out the form and a New Account Representative will walk you through opening your account.

For full-time students ages 13 to 26 who live in a county served by AmeriState Bank.

We'll Be In Touch!

One of our New Account Representatives will contact you shortly to guide you through opening your account.

The Payout

Here's exactly
what you earn.

All A's $50 Per Semester

Straight A's on your report card. Screenshot it, bring it in, get paid. That simple.

A's + B's $25 Per Semester

A's and B's count too. Solid grades deserve real recognition.

$0 Opening Deposit
$0 Monthly Fee
$0 Minimum Balance

How It Works

Four steps.
Two minutes.

1

Submit This Form

Fill out the short form above. A banker will reach out to schedule your branch visit.

2

Open In Branch

Come in with a parent or guardian if you're under 16. We handle everything in person.

3

Earn Your Grades

Do your thing. At the end of each semester, screenshot your grade report.

4

Collect Your Cash

Bring your grades to any AmeriState branch. Your reward goes straight into your account.

Why AmeriState

120+ years of
neighbors.

1906 Founded in Atoka, Oklahoma
$450M+ In assets. Financially sound.
7 Local branches in OK and TX
120+ Years serving this community
FDIC Insured Equal Housing Lender Community Bank

We are not a megabank app that forgets your name. AmeriState has called this corner of Oklahoma and Texas home since 1906. Your banker knows your family. Your deposits stay in your community. When you open an account here, you are a neighbor, not a number.

"A Bank That Friends Built."

Who Qualifies

You're probably
already eligible.

  • Ages 13 to 26Currently enrolled as a student.
  • Parent or guardian required if under 16They join the account with you as a co-owner.
  • Live in an eligible countyYou're eligible if you live in a county that has an AmeriState location.
  • Good grades earn you cashPull all A's and get $50. A's and B's get you $25. Either way, the account is yours. Grades just make it pay.

Find a Branch Near You

Oklahoma

Atoka Downtown 131 S. Pennsylvania Ave., Atoka, OK 74525 (580) 889-3375
Atoka South 1788 S. Virginia, Atoka, OK 74525 (580) 889-3385
Atoka South Motor Bank US 69/75 and Virginia, Atoka, OK 74525 (580) 889-4185
Antlers 418 W. Main Street, Antlers, OK 74523 (580) 298-6800
Hugo 101 E. Jackson, Hugo, OK 74743 (580) 326-6401
Tishomingo 301 W. Main St., Tishomingo, OK 73460 (580) 219-6040

Texas

Pottsboro 695 FM 120, Pottsboro, TX 75076 (430) 500-0370
Sherman 2410 Loy Lake Road, Sherman, TX 75090 (903) 813-4700

Questions

Straight answers.

At the end of each semester, bring a screenshot of your official grade report to any AmeriState branch, or email it to marketing@ameristatebank.com.
Not yet. The A-Team account opens in-branch only. Fill out the form at the top of this page and a rep will reach out to schedule your visit. It takes about 15 minutes once you're there.
Nope. Any student who lives in an eligible county can open an A-Team checking account. The grade rewards are a bonus, not a requirement. Open the account, use it like a regular checking account, and collect cash whenever your grades qualify.
Yes. Students ages 13 and up are welcome. If the student is under 16, a parent or guardian joins the account as a co-owner. Both come to the branch together for the opening.
None. Zero opening deposit. Zero monthly fee. Zero minimum balance. This account is designed to put money in, not take it out.
You still earn $25 for the semester. A's and B's qualify. Solid grades deserve real recognition.
Once per semester, after you bring your grade report to a branch. The cash goes directly into your A-Team checking account.
Atoka County, Pushmataha County, Choctaw County, and Johnston County in Oklahoma, plus Grayson County in Texas. If you go to school in any of these areas, you qualify.