FDIC-Insured - Backed by the full faith and credit of the U.S. Government
Accounts for Young Adults
Big Dreams. Bold Steps.
You have financial goals, and Frandsen Bank & Trust can help you achieve them.
Checking
Savings
Debit card
Online & mobile banking
Scholarship opportunities
Everyday Reps
A banker can help you select an account that will help you make progress toward your goals.
Young Adult Checking
Build healthy financial habits and spend responsibly.
No minimum balance
Free ATM withdrawals1
No Monthly Maintenance Fee
Free eStatements or $3 paper statement fee
Converts to My Checking at age 23
Frandsen Bank & Trust accounts come with
Free debit card with checking account
Surcharge-free ATM network 1
Online & mobile banking
Support from your local banking team
Mobile Banking
Your Money, Your Move
Life moves fast — and now your money does too. Send, save, and spend with ease using Frandsen Bank & Trust online and mobile banking tools. Don't worry, if you need 1:1 help, we're still just a call away.
An Account for Younger Savers
Encourage your child’s financial smarts with a savings account made just for them. For our customers under the age of 13, our Penny Savings Club offers rewards, fun activities, and a great start to lifelong saving. Join today and start building your child’s money mastery!
Smarter Money Starts Here
Explore easy-to-understand tips and tools to help you budget better, spend wisely, and protect what matters most — your financial future.
Don’t let false promises put your personal and financial information at risk.
Escaping from the stresses of day-to-day responsibilities can give you a much-needed reset. Here are a few ways to help it that happen!.
Frequently Asked Questions
Fast answers to common questions about everyday banking.
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.
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.
For balances more than $2,500 you will earn a standard interest rate.
Each calendar month you may make 12 withdrawals, transfers, and payments by any means. A withdrawal, transfer, or payment is counted the date it posts to your account, which may be different from the date you make, authorize, transfer, or write the transaction.
Cookie Settings
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View our Cookie Policy to better understand what data we collect and how we use it.