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First State Bank and Trust Co.

Student Checking

Get a $25 Amazon gift card when you open an account!

As reliance on technology grows, a cash allowance isn’t going to cut it anymore.

With FREE Student Checking*1 from FSBT, teens and young adults can develop good spending and financial monitoring habits along with having a safe place to store funds. Student account holders4 get their own FREE debit card the same day they open an account.5 Have full access to our suite of digital banking tools with 1View. Parents can monitor spending and take advantage of electronic transfers so you can share money with your child when they need it.

  • Anyone 15-22 is eligible2
  • No minimum balance
  • No monthly fees
  • FREE Visa® debit card
  • Access to 55,000 surcharge-free ATMs nationwide
  • Digital Wallet compatible with Apple, Google, and Samsung Pay
  • FREE Mobile Check Deposit
  • Overdraft protection (one free 'HALL PASS' if an overdraft occurs)
  • FREE online budget tracking tools



  • eStatements required
  • $25 minimum opening deposit
  • Government Issued Identification
    • Driver's License
    • State issued ID card
    • Social security card accompanied with school-issued Student ID

Straight 'A’ PAYDAY Program3

Bring in your report card each semester to get PAID for your good grades!

  • Each A is worth $2.
  • Even ratings like “Outstanding” or “Satisfactory” earn $2 each.
  • A Straight 'A' report card earns $201 each semester!

*$25 Amazon gift card will be provided to the account holder at account opening. 
1Any free gifts may be reported on a 1099-INT. 
2When the account holder turns 23, their funds will be transferred to Eco Checking. They will receive a notification alerting them to this change in the mail.
3Report card rewards are based on a 2-semester school year. Fall semester report cards must be submitted to your local FSBT branch by Feb 1. And will be rewarded in the form of a deposit in the student’s checking account by February 28. Spring semester report cards must be submitted to the bank by July 1 and will be rewarded in the form of a deposit in the student’s checking account by July 31. Summer semester report cards are not applicable for this program.
4Student Checking account is limited to one account per student.
5Debit card orders for FSBT Charleston and FSBT Matthews locations will be fulfilled in Sikeston and delivered within one business day.