If you are between 13 and 22 years old, you can earn $100 in your account. Join us today and take the first step toward financial independence.

Young Adult Checking

Build healthy financial habits and spend responsibly.

Open Account Schedule Appointment

After opening an account, follow these TWO steps within 60 days.

  • Enroll in eStatements1 
  • Complete 12 posted debit card purchases2

 

Open Account Schedule Appointment

1Must be ages 13 to 22 and complete the two steps within 60 days of opening your new checking account. You will receive the $75 reward approximately 60 days after completing steps one and two above. The reward will be deposited into your account. Offer valid through August 15th.

​2This excludes Automated Teller Machine (ATM) withdrawals. Las compras con tarjeta de débito contabilizadas no incluyen compras pendientes o autorizadas previamente.

Refer a Friend

Bring a buddy for a bonus

Receive an additional $25 when you refer a family member or friend. 

  • Refer a friend for $251 
  • Referral must be a NEW checking account customer2
  • The new account must be open and active for 90 days3

*The refer-a-Friend offer is available to young adults (ages 13-22) opening a checking or savings account during the promotion dates of May 19 – Aug. 15, 2025. To receive the $25 Refer-a-Friend reward: 1Refer a friend or family member to open a Frandsen Bank & Trust consumer checking account. 2The referred customer must be a new Frandsen Bank checking account customer presenting the Refer-a-Friend form at the time of account opening. 3Your referral must maintain their account in good standing and have one direct deposit or debit card transaction within the first 90 days. If the requirements are met, the $25 reward will be deposited into your checking or savings account no later than 100 days following the account opening. For confidentiality reasons, we cannot disclose any information about accounts opened for your family or friends. You are responsible for any federal, state, or local taxes due on the Refer-a-Friend reward, and we will report as income to the tax authorities if required by applicable law. Consult your tax advisor. Limit one reward per customer. 

Young Adult Savings

Increase your earnings with interest on all balances.

  • Earn a premium interest rate on the first $2,500 balance2
  • $1 Withdrawal Limit Fee charged for each withdrawal, transfer, or payment that exceeds 12 per calendar month3
  • Converts to My Savings at age 23

2For balances over $2,500 you will earn a standard interest rate.

3Each calendar month you may make 12 withdrawals, transfers, and payments by any means.  A withdrawal, transfer, or payment is counted on the date it is posted to your account, which may be different from the date you make, authorize, transfer or write the transaction.  

Online & Mobile Banking

A quick, secure, and easy way to manage your finances wherever and whenever you want. 

Debit Card

Add your debit card to your digital wallet today! Todas nuestras tarjetas son compatibles con los dispositivos Apple®, Android®, Windows o Samsung®.

Surcharge-Free ATMs

Look for the MoneyPass® logo to access 1,000s of surcharge-free ATMs 

Recursos financieros

Learn more about how to make progress toward your goals with real-life applications of budgeting, saving, security, and more.

Tarjetas de crédito

Start building credit and explore our various credit options to meet your financial needs.

 

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Gracias por realizar sus operaciones bancarias con Frandsen Bank & Trust.

Está a punto de abandonar el sitio web de Frandsen Bank.

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