Checking Account Options for Teens

Game-changing. Time-saving. Apply for multiple financial products simultaneously with our eStore^® Common app.

Get Started

Save time with the eStore^® Common app. Learn more.

Open a Teen Checking Account

A checking account gives teens an opportunity to build financial responsibility and essential money management skills. From earning their first paycheck to managing everyday spending and preparing for the next stage of their education, teens can gain real-world financial experience with convenient digital banking tools.

All FNB checking accounts are available as teen accounts. Applicants age 17 and under must have a parent or guardian as a joint owner.¹ Students can open an FNB Student Checking account starting at age 13 with a parent or guardian as a joint applicant.

Benefits of Shared Account Access

Build financial responsibility with parent guidance.
Keep track of account activity and spending.
Transfer money easily for allowances and shared expenses.
Develop budgeting and saving habits through real-world banking.
Balance independence with the security of parental oversight.

Featured Account for Teens: Student Checking

Start banking early and keep banking through every stage of your education. Student Checking is available for students starting at age 13,¹ and the account is a great fit for high school, trade school, undergraduate and graduate students.

This account comes equipped with modern digital features that provide flexibility and convenience.²

Learn More

Teen Checking Accounts at FNB

Student Checking

You study hard. Let FNB Student Checking make banking easy.

Learn More

eStyle Account

A checkless account that helps you avoid overdraft fees.

Learn More

Freestyle Checking

Free from all the things you don't need, like monthly fees.

Learn More

Lifestyle Checking

Keep an eye on your money and watch it grow.

Learn More

Premierstyle Checking

Rewarding you for doing more of your banking with us.

Learn More

Workplace First Checking

World-class banking for world-class employees.

Learn More

Compare all of our accounts. This comparison chart makes it easy to compare all of our checking options.

Start Comparing

Compare all of our accounts. This comparison chart makes it easy to compare all of our checking options.

Start Comparing

Still not sure? Answer a few quick questions to help you find the right account.

Help me Decide

Still not sure? Answer a few quick questions to help you find the right account.

Help me Decide

Frequently Asked Questions (FAQs)

Yes, for both our joint account options and FNB Student Checking Accounts that are opened as joint checking accounts, teenagers can deposit money into their bank accounts. Joint checking accounts are ideal for teenagers under 18 to deposit money (like from a first job), and Student Checking Accounts are ideal for full-time students interested in managing their own finances.
A bank account can be beneficial for teens of many different ages. Whether they're learning basic money management skills, receiving their first paycheck or preparing for greater independence, the right account can help support their financial journey. As teens take on more responsibility, having a bank account can make it easier to manage spending, savings and everyday expenses.

Notices & Disclosures

1 - A joint owner who is at least 18 years old is required for applicants age 17 and under. Student Checking accounts may be opened by applicants age 13 or older with an eligible adult joint owner. All other joint checking accounts may be opened by applicants age 15 or older with an eligible adult joint owner.

2 - Applicants aged 17 and under must be granted permission to access Online and Mobile banking on a joint account. To request this access, please visit a local branch or call our Customer Contact Center at 833-BANK-FNB.