CMAR supports member education by offering this account for full-time students ages 16 through 21. It is not only free, but also earns dividends without requiring a minimum balance. This account allows 75 free checks per year. Only adults 18 years and over may receive an ATM / debit card to access this account, and Overdraft Privilege is not available.

The account is part of CMAR's Student "ADVANTAGE" Program offering other introductory financial services such as a VISA Classic credit card and a first-time vehicle loan. Some of these products may require qualification and parental co-application.