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1 Data charges may apply when using a mobile device. Simply Free Student Checking available to students 14 years of age or older with a valid ID (birth certificate, passport, current school ID, driver's permit or license.) If primary account holder is <18, parent or legal guardian joint account holder required. MFS will not charge for using another bank's ATM. And, we'll reimburse any surcharge fees other banks may charge, at the end of each statement cycle.