One Overdraft Waived
This account allows for one overdraft/ insufficient funds waiver coupon.
We believe that learning is not just tied to the classroom. This account provides the opportunity for financial skills to be learned from a young age. With no minimum balance and a low initial deposit, these skills can also be learned without the risk of needing to keep large sums of money in these accounts.
You are between 12-22 and want the benefits of an account without the fees.
You don't want to have the pressure of maintaining a minimum balance in the account.
You want peace of mind knowing your personal information is protected through our Mastercard® ID Theft Protection. Sign Up.
You want unlimited, no-fee access to nationwide ATMs; click here to find a free MoneyPass® ATM near you.
You want resources to help you track your budget, monitor spending, and gain insights into financial habits through our Money Management tools.
You want access to automatically save money while you shop when using your debit card linked to a savings account through our Pocket Change program. Enroll Now.
This account allows for one overdraft/ insufficient funds waiver coupon.
Manage your bank accounts at your convenience at any time. Plus get features like mobile deposits, bill pay, electronic statements, and more!
First State Community Bank Debit Mastercard, gives you fast and easy access to your money, but with security and simplicity that cash can’t offer. Learn More.
Go paperless and enroll in electronic statements to avoid a $3.00 monthly statements paper fee.
You will need your Social Security Number, Valid ID (Drivers License or Government Issued ID), and must be a resident of the state of Missouri.
You'll need a major debit or credit card to initiate the opening balance.
Opening Deposit: $10
You will receive a verification email from us for additional information about your new checking account.
Frequently Asked Questions
The Student Checking account is available for individuals ages 12–22 who live in Missouri and are beginning their financial journey. At age 23, the account automatically converts to a Preferred Checking account.
This account offers no monthly fees with e-statement enrollment, no minimum balance requirement, and a low $10 opening deposit. It also includes one overdraft fee waiver, free digital banking, and a secure First State Community Bank Debit Mastercard.
To keep your account fee-free, enroll in electronic statements to avoid the $3.00 monthly paper statement fee.
© 2025 FSCB - All rights reserved Bank NMLS 412605 Backed by the full faith and credit of the U.S. Government. First State Community Bank is not registered as a broker-dealer or investment advisor. Investment products and services are offered by First State Financial Management through the registered broker-dealer NBC Securities. Any products and services offered by FSCB are separate and distinct from those offered through NBC Securities.
FDIC-Insured - Backed by full faith and credit of the U.S. Government
© 2025 FSFM - All rights reserved Securities and advisory services offered through NBC Securities, Inc., a Registered Investment Advisor. Member FINRA/SIPC. FSFM is a subsidiary of First State Community Bank. The FSFM name is used by certain employees of First State Community Bank who offer securities, advisory and insurance products and services through NBC, Securities, Inc. NBC Securities, Inc., is under separate ownership from any other named entity. Not Bank Guarantee ▪ May Lose value ▪ Not a Bank Deposit ▪ Not insured by FDIC or Any Other Government Agency NBC Securities, Inc., Client Relationship Summary
Copyright © 2025 First State Insurance Agency, Inc First State Insurance Agency is an affiliate of First State Community Bank due to common ownership. Not a deposit, not FDIC insured, not insured by any government agency, not bank guaranteed and may decrease in value.