To be eligible for the WaterStone (WSB) Student Checking Program, you must be enrolled in high school or college, be between the ages of 14-26 and show student ID issued by school or college. Bank discretion for home school, online, and/or other student enrolled programs. If you are under the age 18, a parent or guardian will need to be joint owner on the account. Only one WaterStone Bank “program” can be tied to an account. Checking accounts can be any of the personal checking products available, e-statements will be required for the account. No-fee Overdraft Protection benefit requires an additional WSB deposit account owned by student with funds sufficient to cover the overdraft items. A CheckCard is included with the program and will be offered at no cost to the student. ScoreCard Reward promotions will be periodically offered for purchases made with WSB CheckCard. The first 8 ATM withdrawals per statement cycle will be fee free and fee assessed at the machine will be refunded to your WSB checking account within two business days. ATM withdrawals in excess of 8 in your cycle are subject to fees charged by the ATM owner. A statement cycle may be from the 17th (a calendar day) of a month to the 16th (a calendar day) of the next month. Free checks will be provided by WSB. This benefit does not include reimbursement of other check designs you previously purchased or plan to purchase. The College Rewards Credit Card is subject to credit approval and is an optional benefit for the Student Checking Program. WSB employees, agents of WSB and affiliates are not eligible. Program subject to change without notice.