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First State Bank and Trust Co.
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Student Checking


RECEIVE A $25 AMAZON GIFT CARD AT ACCOUNT OPENING WHEN YOU ALSO ORDER A FSBT DEBIT CARD.1

As reliance on technology grows, a cash allowance isn’t going to cut it anymore.

With FREE Student Checking2 from FSBT, teens and young adults can develop good spending and financial monitoring habits along with having a safe place to store funds. Student account holders get their own FREE debit card the same day they open an account.5 Student accountholders can get a debit card and have full access to our suite of mobile and online banking tools, including Mobile Check Deposit and Zelle® to send and receive funds electronically.
  • Anyone 12-22 is eligible. Students under age 18 must have an adult as a joint account owner.3
  • No minimum balance
  • No monthly fees
  • Access to 55,000 surcharge-free ATMs nationwide
  • Mobile Wallet and Mobile Check Deposit
  • Overdraft protection (one free 'HALL PASS' if an overdraft occurs)4
  • FREE online budget tracking tools
  • My Credit - View credit score, credit history and recent credit changes
 
 

 

Requirements

  • eStatements
  • $25 minimum opening deposit
  • Government Issued Identification
    • Driver's License
    • State issued ID card
    • Social security card accompanied with school-issued Student ID

Straight 'A’ PAYDAY Program5

Bring in your report card each semester to get PAID for your good grades!

  • Each A is worth $2.
  • Ratings like “Outstanding” or “Satisfactory” earn $2 each.
  • A Straight 'A' report card earns $20 each semester!


1Any free gifts may be reported on 1099-INT or 1099-MISC.
2Student checking accounts are limited to one account per student.
3When the accountholder turns 23, their funds will be transferred to Eco Checking. They will receive a notification alerting them to this change in the mail. Students under age 18 must have an adult as a joint account owner.
4An overdraft fee can be waived only one time on this account at the accountholder's request.
5Report card rewards are based on a 2-semester school year. Fall semester report cards must be submitted to your local FSBT branch by Feb 1. And will be rewarded in the form of a deposit in the student’s checking account by February 28. Spring semester report cards must be submitted to the bank by July 1 and will be rewarded in the form of a deposit in the student’s checking account by July 31. Summer semester report cards are not applicable for this program.