Student Checking

Open a Student Checking to Kickstart Your Financial Life 


Student Checking Account

For young adults ages 13-25.
The easiest way to start your financial journey. 

Start Smart

  • Low Opening Deposit: Open your account with just $50.
  • No Balance Requirements: Enjoy the freedom of no monthly minimum daily balance.
  • Support Included:  For students under 18, a joint owner over 18 is required and provides added support and security. 

Save Money and Time

  • Zero monthly fees:  Enjoy no monthly fees when you sign up for e-statements.
    Just $2/month if you choose paper statements.
  • Free ATM Access: All nationwide ATM fees are reimbursed.
  • Convenient Banking: Manage your account anytime, anywhere with online and mobile banking.

Enjoy Peace of Mind

  • Effortless Payments: Add your debit card to your digital wallet for easy and secure payments.
  • Real-Time Alerts: Get instant alerts for suspicious debit card activity and respond immediately.
  • Card Control: Easily lock and unlock your debit card from your mobile app.
  • Stay Informed: Customize text and alert notifications to easily keep track of account balance and transaction activity.

How Does This Compare?

 
Account Type Friendship First Friendship Advantage Student Checking
Opening Balance $100 $250 $50
Monthly Fee $0 with $100 minimum daily balance OR
$2.50/month		 $0 with $250 minimum daily balance OR
$5/month		 $0 with e-statements
OR
$2/month
Earns Interest No Yes No
Paper Statements Free Free $2/month
Free Checks No First 30 Checks Free No

Overdraft Coverage Program: Friendship State Bank offers an Overdraft Payment Program for qualifying accounts. If we pay an item into overdraft, a $30 fee per item will apply. We may charge a fee for overdrafts created by checks, ACH withdrawals, and certain electronic transactions. Any overdraft must be repaid promptly, generally within 30 days. Please note, we may decline to pay an overdraft at our discretion, including when an account is not in good standing or previous overdrafts have not been repaid. For full program details and disclosures, please contact us.





Personal Loans

Personalized service.


Real people, local choices. Get the financing you need with decisions made right here in your neighborhood.


View Personal Loans






Ready to Open Your Checking Account?

Come see us at any of our nine local branches with someone 18 or older to get started. Find your nearest Friendship location. 

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Android Users:  Download App Now

Stay informed on common fraud schemes, ways to build your credit, and tips to strengthen your financial future. Visit your local Friendship branch and let our team help you along the way. 
How do I open a checking account? Can I open one online?
Visit one of our locations to open your account in person. Be sure to take your photo identification that includes your current address.
 
When will I receive my debit card?
In most cases, you’ll get your debit card the very same day you open your account. That’s right—when you leave our branch, your debit card will be in hand and ready to use immediately.
 
How do I get the Friendship State Mobile App?
You can download our free mobile banking app from the Apple App Store or Google Play Store. Simply log in using the credentials provided at account opening. Through the app or on your desktop, you can easily manage your transactions, debit card, bill payments, and more.
 
What are your ATM fees?
Great news! We’ve partnered with the Allpoint ATM Network, giving you fee-free access to 55,000 ATMs worldwide. For non-Allpoint or non-Friendship ATMs, a $0.50 fee will be reflected on your statement at the end of the month.







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Still have questions?

Call us at 812-667-5101