FDIC-Insured - Backed by the full faith and credit of the U.S. Government
Start Easy. Stay Simple.
Fund your fun with a Young Adult Checking account.
No minimum balance
Free ATM withdrawals1
No Monthly Maintenance Fee
Free eStatements or $3 paper statement fee
Converts to My Checking at age 23
Your Account Comes with
Free debit card with checking account
Surcharge-free ATM network 1
Online & mobile banking
Support from your local banking team
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FAQs
Will I still be able to use this account for school, work, and everyday spending?
Yes. Young Adult Checking is designed for real-life use, including paychecks, everyday purchases, digital banking, and other common spending needs for teens and young adults.
What are the benefits of opening a checking account?
A checking account can help teens start building smart money habits, including learning how to manage spending, use a debit card responsibly, track balances, and understand how everyday banking works.
Do I need a parent or guardian to open an account?
Anyone 18 or older can open an account independently. If you're under 18, you will need a parent or guardian to co-own the account.
Can I use the $75 however I want?
Yes, once the bonus is deposited into your checking account, it’s your money. You can use it for spending, saving, or whatever matters most to you.
Important Legal Disclosures & Information
Frandsen Bank will not charge an ATM withdrawal fee from your Young Adult Checking account. A $2 fee will be charged for Young Adult Savings account withdrawals from non-MoneyPass® ATMs. ATM operators may charge a separate fee.
Apple logo and Apple Pay are trademarks of Apple Inc., registered in the U.S. and other countries. For a list of compatible Apple Pay devices, see support.apple.com/km207105.
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