College is all about learning new things, but personal finance is one subject that may not be on your syllabus. If you’re new to money management, it helps to start with the basics. That includes opening a checking account so you have a secure place to stash your money and a convenient way to spend or pay bills.
- Up to $400 Bonus Tiered Disclosure
New and existing Checking and Savings members who have not previously enrolled in Direct Deposit with SoFi are eligible to earn a cash bonus of either $50 (with at least $1,000 total Eligible Direct Deposits received within 25 calendar days of your first Eligible Direct Deposit of $1 or more) OR $400 (with at least $5,000 total Eligible Direct Deposits received within 25 calendar days of your first Eligible Direct Deposit of $1 or more). Cash bonus amount will be based on the total amount of Eligible Direct Deposit received within 25 calendar days of your first Eligible Direct Deposit of $1 or more. If you have satisfied the Eligible Direct Deposit requirements but have not received a cash bonus in your Checking account, please contact us at 855-456-7634 with the details of your Eligible Direct Deposit. Direct Deposit Promotion begins on 5/15/2026 and will be available through 12/31/26. See full bonus and annual percentage yield (APY) terms at sofi.com/banking/checking-offer/
- APY disclosures
Annual percentage yield (APY) is variable and subject to change at any time. Rates are current as of 5/28/26.. There is no minimum balance requirement. Fees may reduce earnings. Additional rates and information can be found at https://www.sofi.com/legal/banking-rate-sheet
- Fee Policy
We do not charge any account, service, or maintenance fees for SoFi Checking and Savings. We do charge transaction fees for outgoing wire transfers, Instant Transfers, and global remittance transfers. Our fee policy is subject to change at any time. See the SoFi Bank Fee Sheet for details at sofi.com/legal/banking-fees/.
- Additional FDIC Insurance
SoFi Bank is a member FDIC and does not provide more than $250,000 of FDIC insurance per depositor per legal category of account ownership, as described in the FDIC’s regulations. Any additional FDIC insurance is provided by the SoFi Insured Deposit Program. Deposits may be insured up to $3M through participation in the program. See full terms at SoFi.com/banking/fdic/sidpterms. See list of participating banks at SoFi.com/banking/fdic/participatingbanks.
- ATM Access
We’ve partnered with Allpoint to provide you with ATM access at any of the 55,000+ ATMs within the Allpoint network. You will not be charged a fee when using an in-network ATM, however, third-party fees may be incurred when using out-of-network ATMs. SoFi’s ATM policies are subject to change at our discretion at any time.
- Early Access to Direct Deposit Funds
Early access to direct deposit funds is based on the timing in which we receive notice of impending payment from the Federal Reserve, which is typically up to two days before the scheduled payment date, but may vary.
- Overdraft Coverage
Overdraft Coverage is a feature automatically offered to SoFi Checking and Savings account holders who receive at least $1,000 or more in Eligible Direct Deposits within a rolling 31 calendar day period on a recurring basis. Eligible Direct Deposit is defined on the SoFi Bank Rate Sheet, available at https://www.sofi.com/legal/banking-rate-sheet. Members enrolled in Overdraft Coverage may be covered for up to $50 in negative balances on SoFi Bank debit card purchases only. Overdraft Coverage does not apply to P2P transfers, bill payments, checks, or other non-debit card transactions. Members with a prior history of unpaid negative balances are not eligible for Overdraft Coverage. Eligibility for Overdraft Coverage is determined by SoFi Bank in its sole discretion. Members can check their enrollment status, if eligible, at any time by logging into their account through the SoFi app or on the SoFi website.
- 0.70% Savings APY Boost
Earn up to 3.80% Annual Percentage Yield (APY) on SoFi Savings with a 0.70% APY Boost (added to the 3.10% APY) for up to 6 months. Open a new SoFi Checking & Savings account with Eligible Direct Deposit by 12/31/26. Rates variable, subject to change. Terms apply at sofi.com/banking#2. SoFi Bank, N.A. Member FDIC.
- Earn 9x The National Average Rate
- Earn Up to $400 with Eligible Direct Deposit*
- Earn $50 or $400 when you sign up and set up eligible direct deposit*
- Limited Time Offer: New savings accounts earn a 0.70% APY boost to 3.80% for up to 6 months with eligible direct deposit*
- Earn 0.50% APY on Checking Balances
- Up to 2-day-early-paycheck*
- FDIC Insured up to $250k plus up to $3M in supplemental insurance*
- Chime is a financial technology company, not a bank. Banking services and debit card provided by The Bancorp Bank N.A. or Stride Bank, N.A.; Members FDIC.
- Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.
- Out-of-network ATM withdrawal and over the counter advance fees may apply except at FCTI® ATMs in a 7-Eleven® or Speedway, or any Allpoint® or Visa® Plus Alliance ATM participating in the Allpoint network.
- SpotMe® on Credit is an optional, no interest/no fee overdraft line of credit tied to the Secured Deposit Account. SpotMe on Debit is an optional, no fee service attached to your Chime Checking Account (individually or collectively, “”SpotMe””). Eligibility for SpotMe requires $200 or more in qualifying direct deposits to your Chime Checking Account each month.
- Qualifying members will be allowed to overdraw their Chime Checking Account and/or their Secured Deposit Account up to $20 in total, but may be later eligible for a higher combined limit of up to $200 or more based on member’s Chime account history, direct deposit frequency and amount, spending activity and other risk-based factors. Your SpotMe Limit will be displayed to you within the Chime mobile app. You will receive notice of any changes to your SpotMe Limit. SpotMe for Credit and SpotMe on Debit share a single SpotMe limit. Your SpotMe Limit may change at any time, at Chime or its banking partners’ discretion. Although there are no overdraft fees, there may be out-of-network or third-party fees associated with ATM transactions or OTC cash withdrawal fees at retailers. SpotMe won’t cover non-card transactions, including ACH s, Pay Anyone s, or Chime Checkbook transactions. SpotMe terms and conditions.
- Pay Anyone transactions will be monitored and may be held, delayed or blocked if the transfer could result in fraud or another form of financial harm. Sometimes instant transfers can be delayed. Non-Chime members must use a valid debit card to claim funds.
- Chime® Checking Account is required to be eligible for a Savings Account.
- Up to $350* with a new Chime account
- No monthly fees
- Get paid in up to 2 days early* with direct deposit
- 47k+ Fee-free ATMs~
- 24/7 live support
- Faster access to funds is based on comparison of traditional banking policies and deposit of paper checks from employers and government agencies versus deposits made electronically. Delays by the employer, payer, or their banks may result in delayed access to funds beyond our control.Fees may apply, including out of network cash withdrawal fees, third-party fees, cash load fees, inactivity fees, account closure fees, international transaction fees, replacement card fees, express mail fees and escheatment fees.
- Up to $200 overdraft amount only available for a limited time to new users who sign up for a Current account through the applicable landing page and/or with the applicable code, as determined by Current in its sole discretion. Actual overdraft amount may vary and is subject to change at any time, at Current’s sole discretion. In order to qualify and enroll in the Fee-Free Overdraft feature, you must receive a minimum of $200 or more in Eligible Direct Deposits into your Current Account over the preceding 35-day period and fulfill other requirements subject to Current’s discretion. Negative balances must be repaid within 60 days of the first Eligible Transaction that caused the negative balance. For more information, please refer to Fee-free Overdraft Terms and Conditions.
- Paycheck Advance is offered by Finco Advance LLC, a financial technology company, not a bank and is for eligible customers only. Your actual available Paycheck Advance amount will be displayed to you in the mobile app and may change from time to time. Conditions and eligibility may vary and are subject to change at any time, at the sole discretion of Finco Advance LLC. For more information, please refer to Paycheck Advance Terms and Conditions.
- Multi-featured payment account and debit card
- Get paid up to two days faster*
- 40,000 fee-free ATMs
- $0 minimum balance
- Easy-to-use app
- New Current Build secured credit card
- Banking services provided by Choice Financial Group, Member FDIC
- Fees apply to loans and out of network withdrawals & cash deposits.
- We give access to direct deposits from employer & government payers on the day we receive them, typically up to 2 days earlier than your scheduled pay date.
- Varo Advance (VA) is a small dollar line of credit. Initial limits range from $20-$250, work your way up to $500 over time. Fees range from $1.60 – $40 based on loan amount. Additional qualifications apply
- Open an online account with no monthly fees
- No monthly fees, no minimums, fee-free in-network ATMs and deposits. Optional services have fees*
- Set up a direct deposit today and get your paycheck up to 2 days early*
- Borrow up to $500 cash over time with a flat fee and 30 days to repay-no credit check*
- Member FDIC
If you’ve never had a bank account in your name before, you may not know where to find student checking. Let’s look at the best checking accounts for college students, what to consider when comparing banks, and how to open a new account.
Table of Contents
- Great checking accounts for college students
- What is a student checking account?
- Benefits of student checking accounts
- What features should college students look for when choosing a checking account?
- How to open a checking account as a college student
- Open a student checking account today
- Recap of the best checking accounts for college students
Great checking accounts for college students
We compared dozens of banks to find the best options for college students—accounts that keep fees low, offer easy mobile access, and include features tailored to student life.
Chime Online Checking Account
Why it’s great for college students
| Min. opening deposit | $0 |
| Fees | $0 monthly fees, minimum balance fees, or overdraft fees |
| ATMs | 47,000+ fee-free ATMs |
| Branches | No |
| FDIC-insured | Yes |
| Best features | Cash back rewards, build credit |
- No overdraft fees or monthly fees
- Get paid early with direct deposit
- Earn cash back and build credit when you spend
- No branch locations
- Direct deposit is required to enjoy all of Chime’s benefits
- No paper checks
Chime is a free online checking account for students who want a streamlined banking experience. Enrolling in direct deposit can unlock Chime+ features, including a chance to earn unlimited 1.5% cash back on purchases with your Chime Card and a 3.75% APY on a Chime High-Yield Savings account. You can also build credit with your Chime Card, using your own money, while in school.
Varo Bank Account
Why it’s great for college students
| Min. opening deposit | $0 |
| Fees | No monthly fees or overdraft fees |
| ATMs | 40,000+ fee-free ATMs |
| Branches | No |
| FDIC-insured | Yes |
| Best features | Cashback on purchases, deposit cash at CVS locations |
- Deposit cash with no fee
- Earn 3% cashback at selected merchants
- Free credit score tracking
- No branches
- No paper checks
- Fees may apply to cash deposits at non-CVS locations
Varo is an all-in-one financial app that students can use to learn finance basics. There are no hidden fees and you can deposit cash fee-free at CVS locations. You can get 3% cashback when you use your debit card at 10,000+ merchants. If you need cash before payday, you can get up to $500 advanced to you for a flat fee, with no interest.
SoFi Student Checking and Savings
Why it’s great for college students
| Min. opening deposit | $0 |
| Fees | No monthly fees or overdraft fees |
| ATMs | 55,000+ fee-free ATMs |
| Branches | No |
| FDIC-insured | Yes |
| Best features | Competitive savings APY, new account bonus |
- Checking and savings in one convenient account
- Generous APY on savings balances
- No-fee overdraft coverage
- No branches
- Must be 18 or older to open
- Government ID is required to open
SoFi Checking and Savings has no hidden fees and comes with generous benefits, like a solid APY on savings balances and $300 account bonus when you enroll in direct deposit. You can pay bills, schedule deposits, or view statements in the SoFi mobile app and if you need cash, there are plenty of fee-free ATMs to choose from. If you need money to pay for school, you can check out SoFi’s range of private student loan options.
What is a student checking account?
Student checking accounts are checking accounts for people who are in school. You could open a student checking account in high school or college. Your bank might convert your student account to a regular bank account once you graduate college or reach a certain age.
What makes a student checking account different from any other bank account? Usually, it comes down to two things:
- Who can open one
- What features they offer
If you’re under 18, you’ll need a parent or guardian’s help to open a student bank account. If you’re over 18 and still in high school or college, you can open a student checking account yourself.
As far as features go, student accounts can offer:
- Debit card access
- Paper checks
- Mobile and online banking access
- Direct deposit
- Digital wallet access
Online banks, traditional banks, and credit unions can offer student accounts. Keep in mind that student checking is not the same as a prepaid debit card for teens. Those cards let you withdraw cash at ATMs or spend money, but they’re not linked to a bank account.
Benefits of student checking accounts
Why would you need a student bank account? There are a few good reasons. First and foremost, a student checking account can help you learn responsibility and develop independence.
For example, my kids have had checking and savings accounts since they were 12 and 14. They’re now 16 and 18, both with jobs, and both taking college classes. If they want to buy something, they have the freedom to do that without relying on me, thanks to their bank accounts.
Whether you’re going to college in a different city or sticking close to home, a student checking account helps you stay in control of your money. You also get these benefits:
- Student accounts usually have low fees or no fees at all.
- Your account may come with educational tools, like articles or calculators, to help you learn how to budget and manage money.
- Some banks offer a student savings account that you can link to your checking to get you in the savings habit.
Most importantly, a student checking account keeps your money safe and secure until you’re ready to use it.
Having a checking account is good practice for “real life,” when you’ll have multiple financial obligations like rent/mortgage, utilities, and other payments. Plus, I encourage young folks to balance their checkbooks regularly and plan ahead for upcoming obligations.
What features should college students look for when choosing a checking account?
The best student checking accounts help you stay connected to your money and come with helpful features you’ll actually use. Here are some of the things to consider as you compare accounts.
- Fees: Banks make money by charging fees, so be aware of what you’ll pay.
- ATMs: Some banks have larger ATM networks than others. Find out where you can withdraw cash fee-free.
- Debit card: Banks can set limits on how much you can spend (or withdraw in cash) with your debit card each day. Check out the limits and where you can use your card to shop online or in stores.
- Rewards: Some student checking accounts let you earn rewards when you spend with your debit card. Get to know where you can earn rewards, how much, and how you can use them.
- Bonuses: Banks can offer new account bonuses to get you to sign up. If you’re eyeing a student account that has a bonus, read the fine print on what you need to do to qualify for it.
If you’re leaning toward a brick-and-mortar bank, check the location map to see how many branches there are near you.
Look for simplicity, convenience, and no (or the least amount of) fees. If all banks have no fees, then find one that is located near your home, school, or work so you can stop in if needed. Also look for an account that offers additional features. As a student, you will also want to establish credit, so get a credit card, too!
How to open a checking account as a college student
Ready to open a student checking account? It’s not scary and it doesn’t even take much time. If you’re 18 or older, you can follow the steps below to open your account; if not, you’ll need a parent or guardian’s help.
- Organize your documents: You’ll need a valid ID (e.g., driver’s license, state ID card, passport, etc.) to open a bank account. Some banks might accept a student ID and a Social Security card, or proof of enrollment in school.
- Apply: Next, you’ll complete an application for a new account. You may do this online or in person at a branch. You’ll need to fill in your name, address, date of birth, Social Security number, and phone number.
- Sign the paperwork: If you’re approved, you’ll sign new account paperwork. You’ll give the bank the correct address where your debit card should be sent.
- Fund your account: You may be able to open a student account with $0 initially, then add money later. If you want to add money at account opening, you’ll need to have cash or a check you can deposit.
What if you’re opening the account online? The bank may let you mail in a check or deposit cash at a partner retail store, like Walgreens or CVS. If you’re working, you might be able to set up direct deposit so your paychecks go straight to your account.
Open a student checking account today
Opening a student checking account is a major financial milestone, and it helps to have a parent or another trusted adult walk you through it. While you’re shopping for a checking account, think about opening a savings account, too. Learn more about the best savings accounts for students.
Recap of the best checking accounts for college students
- Up to $400 Bonus Tiered Disclosure
New and existing Checking and Savings members who have not previously enrolled in Direct Deposit with SoFi are eligible to earn a cash bonus of either $50 (with at least $1,000 total Eligible Direct Deposits received within 25 calendar days of your first Eligible Direct Deposit of $1 or more) OR $400 (with at least $5,000 total Eligible Direct Deposits received within 25 calendar days of your first Eligible Direct Deposit of $1 or more). Cash bonus amount will be based on the total amount of Eligible Direct Deposit received within 25 calendar days of your first Eligible Direct Deposit of $1 or more. If you have satisfied the Eligible Direct Deposit requirements but have not received a cash bonus in your Checking account, please contact us at 855-456-7634 with the details of your Eligible Direct Deposit. Direct Deposit Promotion begins on 5/15/2026 and will be available through 12/31/26. See full bonus and annual percentage yield (APY) terms at sofi.com/banking/checking-offer/
- APY disclosures
Annual percentage yield (APY) is variable and subject to change at any time. Rates are current as of 5/28/26.. There is no minimum balance requirement. Fees may reduce earnings. Additional rates and information can be found at https://www.sofi.com/legal/banking-rate-sheet
- Fee Policy
We do not charge any account, service, or maintenance fees for SoFi Checking and Savings. We do charge transaction fees for outgoing wire transfers, Instant Transfers, and global remittance transfers. Our fee policy is subject to change at any time. See the SoFi Bank Fee Sheet for details at sofi.com/legal/banking-fees/.
- Additional FDIC Insurance
SoFi Bank is a member FDIC and does not provide more than $250,000 of FDIC insurance per depositor per legal category of account ownership, as described in the FDIC’s regulations. Any additional FDIC insurance is provided by the SoFi Insured Deposit Program. Deposits may be insured up to $3M through participation in the program. See full terms at SoFi.com/banking/fdic/sidpterms. See list of participating banks at SoFi.com/banking/fdic/participatingbanks.
- ATM Access
We’ve partnered with Allpoint to provide you with ATM access at any of the 55,000+ ATMs within the Allpoint network. You will not be charged a fee when using an in-network ATM, however, third-party fees may be incurred when using out-of-network ATMs. SoFi’s ATM policies are subject to change at our discretion at any time.
- Early Access to Direct Deposit Funds
Early access to direct deposit funds is based on the timing in which we receive notice of impending payment from the Federal Reserve, which is typically up to two days before the scheduled payment date, but may vary.
- Overdraft Coverage
Overdraft Coverage is a feature automatically offered to SoFi Checking and Savings account holders who receive at least $1,000 or more in Eligible Direct Deposits within a rolling 31 calendar day period on a recurring basis. Eligible Direct Deposit is defined on the SoFi Bank Rate Sheet, available at https://www.sofi.com/legal/banking-rate-sheet. Members enrolled in Overdraft Coverage may be covered for up to $50 in negative balances on SoFi Bank debit card purchases only. Overdraft Coverage does not apply to P2P transfers, bill payments, checks, or other non-debit card transactions. Members with a prior history of unpaid negative balances are not eligible for Overdraft Coverage. Eligibility for Overdraft Coverage is determined by SoFi Bank in its sole discretion. Members can check their enrollment status, if eligible, at any time by logging into their account through the SoFi app or on the SoFi website.
- 0.70% Savings APY Boost
Earn up to 3.80% Annual Percentage Yield (APY) on SoFi Savings with a 0.70% APY Boost (added to the 3.10% APY) for up to 6 months. Open a new SoFi Checking & Savings account with Eligible Direct Deposit by 12/31/26. Rates variable, subject to change. Terms apply at sofi.com/banking#2. SoFi Bank, N.A. Member FDIC.
- Earn 9x The National Average Rate
- Earn Up to $400 with Eligible Direct Deposit*
- Earn $50 or $400 when you sign up and set up eligible direct deposit*
- Limited Time Offer: New savings accounts earn a 0.70% APY boost to 3.80% for up to 6 months with eligible direct deposit*
- Earn 0.50% APY on Checking Balances
- Up to 2-day-early-paycheck*
- FDIC Insured up to $250k plus up to $3M in supplemental insurance*
- Chime is a financial technology company, not a bank. Banking services and debit card provided by The Bancorp Bank N.A. or Stride Bank, N.A.; Members FDIC.
- Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.
- Out-of-network ATM withdrawal and over the counter advance fees may apply except at FCTI® ATMs in a 7-Eleven® or Speedway, or any Allpoint® or Visa® Plus Alliance ATM participating in the Allpoint network.
- SpotMe® on Credit is an optional, no interest/no fee overdraft line of credit tied to the Secured Deposit Account. SpotMe on Debit is an optional, no fee service attached to your Chime Checking Account (individually or collectively, “”SpotMe””). Eligibility for SpotMe requires $200 or more in qualifying direct deposits to your Chime Checking Account each month.
- Qualifying members will be allowed to overdraw their Chime Checking Account and/or their Secured Deposit Account up to $20 in total, but may be later eligible for a higher combined limit of up to $200 or more based on member’s Chime account history, direct deposit frequency and amount, spending activity and other risk-based factors. Your SpotMe Limit will be displayed to you within the Chime mobile app. You will receive notice of any changes to your SpotMe Limit. SpotMe for Credit and SpotMe on Debit share a single SpotMe limit. Your SpotMe Limit may change at any time, at Chime or its banking partners’ discretion. Although there are no overdraft fees, there may be out-of-network or third-party fees associated with ATM transactions or OTC cash withdrawal fees at retailers. SpotMe won’t cover non-card transactions, including ACH s, Pay Anyone s, or Chime Checkbook transactions. SpotMe terms and conditions.
- Pay Anyone transactions will be monitored and may be held, delayed or blocked if the transfer could result in fraud or another form of financial harm. Sometimes instant transfers can be delayed. Non-Chime members must use a valid debit card to claim funds.
- Chime® Checking Account is required to be eligible for a Savings Account.
- Up to $350* with a new Chime account
- No monthly fees
- Get paid in up to 2 days early* with direct deposit
- 47k+ Fee-free ATMs~
- 24/7 live support
- Faster access to funds is based on comparison of traditional banking policies and deposit of paper checks from employers and government agencies versus deposits made electronically. Delays by the employer, payer, or their banks may result in delayed access to funds beyond our control.Fees may apply, including out of network cash withdrawal fees, third-party fees, cash load fees, inactivity fees, account closure fees, international transaction fees, replacement card fees, express mail fees and escheatment fees.
- Up to $200 overdraft amount only available for a limited time to new users who sign up for a Current account through the applicable landing page and/or with the applicable code, as determined by Current in its sole discretion. Actual overdraft amount may vary and is subject to change at any time, at Current’s sole discretion. In order to qualify and enroll in the Fee-Free Overdraft feature, you must receive a minimum of $200 or more in Eligible Direct Deposits into your Current Account over the preceding 35-day period and fulfill other requirements subject to Current’s discretion. Negative balances must be repaid within 60 days of the first Eligible Transaction that caused the negative balance. For more information, please refer to Fee-free Overdraft Terms and Conditions.
- Paycheck Advance is offered by Finco Advance LLC, a financial technology company, not a bank and is for eligible customers only. Your actual available Paycheck Advance amount will be displayed to you in the mobile app and may change from time to time. Conditions and eligibility may vary and are subject to change at any time, at the sole discretion of Finco Advance LLC. For more information, please refer to Paycheck Advance Terms and Conditions.
- Multi-featured payment account and debit card
- Get paid up to two days faster*
- 40,000 fee-free ATMs
- $0 minimum balance
- Easy-to-use app
- New Current Build secured credit card
- Banking services provided by Choice Financial Group, Member FDIC
- Fees apply to loans and out of network withdrawals & cash deposits.
- We give access to direct deposits from employer & government payers on the day we receive them, typically up to 2 days earlier than your scheduled pay date.
- Varo Advance (VA) is a small dollar line of credit. Initial limits range from $20-$250, work your way up to $500 over time. Fees range from $1.60 – $40 based on loan amount. Additional qualifications apply
- Open an online account with no monthly fees
- No monthly fees, no minimums, fee-free in-network ATMs and deposits. Optional services have fees*
- Set up a direct deposit today and get your paycheck up to 2 days early*
- Borrow up to $500 cash over time with a flat fee and 30 days to repay-no credit check*
- Member FDIC
Article sources
At LendEDU, our writers and editors rely on primary sources, such as government data and websites, industry reports and whitepapers, and interviews with experts and company representatives. We also reference reputable company websites and research from established publishers. This approach allows us to produce content that is accurate, unbiased, and supported by reliable evidence. Read more about our editorial standards.
- Chime, Introducing Chime+
- Varo, Free Online Banking
- SoFi, Student Checking and Savings Offer
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About our contributors
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Written by Rebecca Lake, CEPF®Rebecca Lake is a certified educator in personal finance (CEPF®) and freelance writer specializing in finance.
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Edited by Amanda HankelAmanda Hankel is a managing editor at LendEDU. She has more than seven years of experience covering various finance-related topics and has worked for more than 15 years overall in writing, editing, and publishing.
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Reviewed by Michael Menninger, CFP®Michael Menninger, CFP®, is the founder and president of Menninger & Associates Financial Planning. He provides his clients with financial products and services, always keeping their individual needs foremost in mind.