Having a U.S. bank account makes everyday financial tasks easier and more secure. It allows you to pay for purchases using a debit card, avoid carrying large amounts of cash and access your funds quickly when needed. Many banks also offer mobile apps, making it simple to check your balance and manage your account on the go.
With a U.S. checking account, you can better organize and track your finances over time. Monthly statements and transaction histories help you understand your spending patterns, while electronic payments and deposits create a reliable record of your activity. This makes it easier to receive funds, such as financial aid or transfers from home, and to manage your budget safely and efficiently.
CardGuard™
Control and protect your debit card anytime, anywhere with the ability to turn your card "off" and "on" again and receive real-time alert messages.
Mobile Deposit
Deposit a check quickly and easily in the FNB Direct mobile app. No need to drive to a branch or find an ATM to deposit your check.
If you do not have a U.S. Social Security number (SSN) or an Individual Taxpayer Identification Number (ITIN), you must visit an FNB branch to apply for Student Checking in person. Online applications are not available for non-U.S. individuals without an SSN or ITIN, and a valid U.S. phone number and U.S. address are required to open an account.
Two valid forms of ID will be needed to apply at a branch location:
You will need to complete the W-8BEN tax form for your account. This can be completed before your appointment or when you are at the branch.
Our student checking account comes equipped with modern digital features that help you stay on top of your money, adding flexibility and convenience you need.
At FNB, we’re committed to making every conversation clear and comfortable. That’s why we offer translation services to support you in the language you prefer. Whether you’re visiting a branch or speaking with our Contact Center, we’re here to help ensure you feel understood and confident every step of the way.
The Contact Center and ITMs are available seven days a week.
With our online banking chat, you can connect with us in the language you’re most comfortable using. The chat feature supports translation in approximately 75 languages, making it easy to communicate seamlessly through real-time, automatic translations.
Schedule an appointment to get started with your FNB Student Checking account once you are in the U.S.
Schedule AppointmentFNB makes student banking easy with tools to manage your money, from mobile banking and alerts to sending money with Zelle®. You can also access loans, build financial skills, track credit and pay securely with digital wallets.
Learn MoreGet more value with Student Checking, including one free incoming wire transfer per statement cycle, so you can receive funds quickly and securely when it matters most. Whether domestic or international, wire transfers offer a safe, reliable way to move money between financial institutions with ease.
Learn More
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1 - The downloadable app is free. Your mobile carrier may charge access fees depending on your individual plan. Web access is needed to use the Mobile Banking app. Check with your carrier for specific fees and charges. Message and data rates may apply. Check with your carrier for details. System availability and response times are subject to market conditions.
2 - To send or receive money with Zelle®, both parties must have an eligible checking or savings account. Transactions between enrolled users typically occur in minutes.
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