Student Checking

Get a head start on your financial independence.

With The Farmers State Bank Student Checking, managing your money is easy and stress-free.

Having a student account lets you take the wheel and be in full control of your money, while providing several benefits that let you focus on your education. Take a look at all the great perks that come with The Farmers State Bank Student Checking Account. Available to students under 18*.

This account will convert to a Simple Checking account when the student account owner reaches 18 years of age.

  • FREE mobile banking***
  • FREE access to over 40,000 ATMs****
  • Checkless Banking*****
  • Mobile Wallet
  • No minimum daily balance required
  • E-statements required for this account
  • Non-interesting bearing account
  • Minimum deposit to open is $5.00


Pay for Grades Program

Getting good grades pays off at The Farmers State Bank (FSB). We believe students should be rewarded for their hard work. By enrolling a qualifying account****** in our Pay for Grades Program, we reward students grade K-12 with $5.00 per A and $3.00 per B, or the equivalent of, based on the end of the year final report card. Rewards are limited to one payout per student each school year, not to exceed $50. Visit one of our eight locations for details.


Note to Children Under the Age of 13

Our Website is not intended for children under 13 years of age. No one under age 13 may provide any information to or on the Website. We do not knowingly collect personal information from children under 13. If you are under 13, do not use or provide any information on this Website or through any of its features, register on the Website, or provide any information about yourself to us, including your name, address, telephone number, email address, or any user name you may use. If we learn we have collected or received personal information from a child under 13 without verification of parental consent, we will delete that information. If you believe we might have any information from or about a child under 13, please contact us at 937-996-1071.


*For students under 18, a parent or legal guardian must be a joint account owner.  **We may decline or return transactions that would result in an overdraft. Transactions that you make may cause your account to overdraw but we will not assess your account an overdraft fee or return item fee.  ***Third party message data/and or internet service provider rates may apply.  Must be 13 years of age or older to use online and mobile banking services or bill pay. ****ATM access through the MoneyPass network.  *****No check writing privileges are available.  If a check is presented for payment, it will be returned unpaid, even if you have sufficient funds in your account. ******Qualifying accounts include a new or existing FSB Minor Savings, an FSB Student Checking for students 17 and under, or an FSB Simple Checking for students age 18 and over.