Chill Checking

It's not like a regular checking account, it's a chill checking account. Because with this student account, your NETFLIX® is on us.

Homework, papers, exams...there's plenty to worry about. But your student checking account? No stress, just chill. This account keeps it simple, plus helps you unwind - because we've got your NETFLIX® account covered.

Chill Checking Account

The student checking account designed with the student in mind.

The only checking account that covers your NETFLIX®


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Promotion Details


  • 30,000+ Free ATMs

  • Best In Class Mobile Banking App

  • No Minimum To Open

  • No Minimum Balance

  • No Overdrafts

How It Works:


Open a Chill Checking account.


Setup your NETFLIX® subscription using your IncredibleBank debit card.


Use your debit card 5 times in a month and we'll cover your NETFLIX®!

 A student checking account that gives you more.

Person-to-Person Payments

Remote Check Deposit

Spending & Balance Alerts

And we're a big fan of the word no.

No Overdrafts

No Maintenance Fees

No Minimum Balance

Open your Chill Checking account today.

Account Requirements
To open this account, you must be at least 14 years of age and either; (a) certify that you are currently enrolled at a secondary educational institution or an equivalent that is acceptable to us (e.g. home schooled, alternative school, etc.), or (b) provide a valid student ID as proof of your current enrollment at an eligible post-secondary educational institution. Your college or other post-secondary institution is considered eligible if a form 1098-T is issued to you for tax purposes or it appears on the U.S. Department of Education’s Database of Accredited Post Secondary Institutions and Programs. 
For individuals aged 14-17, you must have a joint account owner who is at least 18 years of age. To remain eligible for this account, the individual who had satisfied the above student criteria, at the time the account was opened, must remain as an owner of the account.

Promotion Requirements
All account applications are subject to approval and account requirements.  Offer expires and is limited to Chill Checking accounts opened through 5:00pm CT, December 31, 2022.  Reimbursement of monthly NETFLIX® subscription charges is limited to the actual amount of the charge or $16.95, whichever is lesser, and will cease one year from the date the Chill Checking account was opened.  To be eligible to receive reimbursement of the NETFLIX® subscription charges each month, an account holder must:

(i) have an open Chill Checking account at the time of reimbursement;
(ii) have the payment of your NETFLIX® subscription posted via the IncredibleBank debit card tied to your Chill Checking account (ACH payments excluded); and
(iii) have at least 5 IncredibleBank debit card transactions (ATM transactions excluded) posted to your Chill Checking account within the calendar month immediately preceding the month of the posted NETFLIX® subscription charge.

Failure to meet any of the above requirements will result in forfeiture of reimbursement for that given month, with the sole exception that in the event the first Netflix® subscription charge posts to your account within 30 days from the date the Chill Checking account was opened, the 5 debit card transactions requirement, as defined above, will be waived for that given month. Reimbursement is limited to one NETFLIX® subscription charge per month and must be charged directly by NETFLIX®. Billing from any of NETFLIX® partner or any other party is not eligible for offer. If there are more than one Netflix® subscriptions tied to your Chill Checking account, only the first Netflix® subscription charge posted to your account in any given calendar month will be reimbursed, subject to the dollar limit set forth. Reimbursement is limited exclusively to credits to your Chill Checking account and will occur within two business days of the posting of your NETFLIX® charges. If any account holder received a bonus for opening an IncredibleBank account in the 24 months immediately preceding the date the Chill Checking account is opened, you are not eligible. Offer may be discontinued or is subject to change at any time without notice. Limit of one offer regardless of the number of eligible accounts opened. Offer is not transferable. All other terms and conditions of your account and relationship with IncredibleBank apply.

NETFLIX® is a registered trademark of Netflix, Inc. All other trademarks are owned by their respective owners. Netflix, Inc. and its affiliates are not affiliated with IncredibleBank, its goods or services.