Student Checking

There’s no better way to learn finance 101 than experiencing it for yourself.

Key Features

Free Debit Card

Free Debit Card

Digital Banking

Digital Banking¹

No Monthly Fees

No Monthly Fees


  • No minimum balance required
  • No monthly maintenance fee
  • Free ATM transactions at all FNBM ATMs
  • Free digital banking services¹, including:
    • Free online banking & bill pay
    • Free mobile banking
    • Free eStatements²
  • Unlimited check writing
  • Free direct deposit
  • Free Mastercard® debit card
  • No minimum deposit to open³

¹ OD and Returned Item Fees apply to overdrafts and returned items created by check, in person withdrawal, ATM withdrawal, or electronic means. Transactions may not be processed in the order in which they occur. The order in which the transactions are received by the bank may affect the total amount of overdraft fees incurred on your account. The bank offers customers the free service of preauthorizing the bank to transfer funds from a checking account, NOW account, Super Now, Insured Money Market account, or line of credit to clear their overdraft accounts. This will be done by contacting our Bookkeeping Department.

² Account holders other than Master Club or Master Club Super Now will be charged $2.50 per statement cycle for Processing & Delivery fee of paper statements. This fee can be avoided if the customer elects to use e-statements and not to receive a paper statement.

³ 17 & under must have a parent or guardian signature on the account.