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There’s no better way to learn financial basics than through hands-on experience. Get off on the right foot with ATM fee refunds1, a free debit card, and digital banking.

Key Features

  • No Minimum Balance
  • Unlimited Check Writing
  • Free Visa® Debit Card
  • No monthly maintenance fee for students 13 to 24 years of age
    • $5 monthly fee for account holders 25 years of age or older
  • If the Student is age 13-17 then the following conditions apply: no checks allowed on the account, a parent or guardian must be a joint owner on the account and the parent or guardian must be an existing FNBC Bank & Trust customer.
  • No minimum balance requirements
  • Unlimited check writing and electronic transactions
  • 6 ATM fee refunds per month for non-FNBC ATMs1
  • Free online banking & bill pay
  • Free mobile banking with mobile deposit
  • Free eStatements
  • Free telephone banking
  • Surcharge-free ATM usage at all FNBC and Allpoint Network® ATMs
  • Free Visa® debit card
  • FDIC insured
  • $25 minimum deposit to open

1ATM free refunds may be reportable, as income, to the IRS.