or call us at 812-667-5101
Student Checking Account
For young adults ages 13-25.
The easiest way to start your financial journey.
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.
Ready to Open Your Checking Account?
Step One: Open your Friendship First checking account. 
Step Two: Download Your Friendship State Bank Mobile Banking App
Step Three: Boost Your Financial Know-How with the Coin & Coffee BlogHow Does This Compare?
| 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: We offer an overdraft coverage program for qualifying accounts. We strive to pay checks written on overdrawn accounts at our discretion. The fee is $30 per item. The item is paid and the account is saved any fees that may have been incurred for items returned NSF (nonsufficient funds) as well as fees imposed by the depositor. Please contact us for full details and policy disclosures.
Still have questions?
or call us at 812-667-5101
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.
How to apply online.
- Select your account and choose Apply Now to go to the application.
- Enter and verify your information.
- Once approved, you’ll receive a secure notification from our deposit specialist.
- Review and sign via our secure e-signature platform.
- Make your first deposit and start enjoying better banking immediately.
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(Opens in a new Window) will be in hand and ready to use immediately.
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(Opens in a new Window) 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(Opens in a new Window) or Google Play Store(Opens in a new Window). 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.
You can download our free mobile banking app from the Apple App Store(Opens in a new Window) or Google Play Store(Opens in a new Window). 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(Opens in a new Window), 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.
Great news! We’ve partnered with the Allpoint ATM Network(Opens in a new Window), 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.