You must be a student under the age of 24 to open an Associated Bank's Student Checking account, which has no minimum balance requirement or monthly maintenance fees. You'll also get a Platinum MasterCard Check Card, overdraft protection and online banking services for free. You can use any Associated Bank ATM for free. If you live in Minnesota, you get 6 free transactions per statement cycle for non-Associated ATM (you get 2, if you life in Illinois or Wisconsin).