Skip to main content
Back
Scroll to top

Get a Convenient Student Checking Account Today

Personal Finances 4 min read

Ready to talk to an expert?

Wondering where to get a student checking account? At First Bank, we know that the last thing students need to worry about as they continue their education is managing their money alone. With our Campus Checking account, we make it easy to handle transactions and protect your money easily and securely.


Open a Campus Checking Account at First Bank

First Bank offers a free checking account option for students ages 16 to 26 heading to or attending college and graduate school. This stress‑free option helps students focus on their studies while taking advantage of the checking options exclusive to our Campus Checking accounts, including:

  • No First Bank transaction fees on eight out-of-network ATM withdrawals per month
  • No monthly maintenance fees*
  • Free online and mobile banking*
  • Free online bill pay and mobile check deposit
  • Free eStatements or paper statements
  • Easy funds transfers to or from other First Bank checking accounts

In addition, we help students stay in touch with their account activity by sending free, timely alerts by email, text message, or phone call. That way when you’re busy reaching your goals, we can notify you of activities, including when:

  • A withdrawal, deposit, or check posts to your account
  • Your online statement is available for review
  • A money transfer has processed successfully or failed
  • Your e‑bill is ready for review

First Bank Prepares Students to Bank Responsibly

By opening a student checking account with First Bank, we can help students quickly and easily access their funds whenever they need it, without worrying about their account security. With convenient locations across North Carolina and South Carolina, we make it easy for families to stay on track for the future and students to bank responsibly.

When you’re wondering where to get a student checking account, find your nearest First Bank branch today.


Member FDIC. Account holders may avoid the Monthly Maintenance Fee by meeting any of the requirements listed in the Keep it Fee Free™ section of the account summary table for their account type. Other account service fees may apply as described in the Account Services Fee Schedule, also available at your local branch.

While First Bank does not charge for mobile banking, your mobile carrier’s message and data rates may apply. The First Bank Digital Banking Apps are available for select mobile and tablet devices. There is no charge from First Bank, but message and data rates may apply. Must enroll in First Bank Online Banking and download the First Bank Digital Banking App from the App Store or Google Play. Apple, the Apple logo, and iPhone are trademarks of Apple, Inc., registered in the U.S. and other countries. App Store is a service mark of Apple, Inc. Android and Google Play are trademarks of Google Inc. The First Bank Digital Banking Apps are available for select mobile and tablet devices. There is no charge from First Bank, but message and data rates may apply. Customers must enroll in First Bank Online Banking and download the First Bank Digital Banking App from the App Store or Google Play.

See our Terms and Conditions for complete details on our One Rewards Program. Loans subject to credit approval.

———

Source:
Huffington Post: http://www.huffingtonpost.com/jeff-hindenach/young-adult-credit-card-debt_b_2488930.html

Ready to talk to an expert?

Share:

You may be interested in...

How Much Should You Have In Savings at Age 25? If you’re wondering how much you should have in savings by the time you’re 25, you’re already on the right track. At an age where financial independence becomes increasingly more important, how much you can save depends on a number of factors, including income and debt. Savings at Age 25 Many experts agree that most young adults in their 20s should allocate 10% of their income to savings. One of the worst pitfalls for young adults is to push off saving money until they’re older. If you begin at 10% and find that you still have money left over by the time you receive your next paycheck, you may be able to comfortably increase the amount you’re saving per month. You should also consider saving for retirement. CNN Money offers retirement savings suggestions based on your income level: Income Amount Saved Per Year $40,000 $4,000 $65,000 $6,500 $90,000 $9,000 $115,000 $11,500 Financial Goals to Make Saving Easier As nice as saving 10% may sound, there are other factors that can impact to how much you may actually be able to save, including necessary expenses and debt. Here are some milestones that can help you save money each month and help your credit and future purchases: Pay off auto loans, credit card debts and other consumer debts as soon as possible. This does not include student loans and mortgages. You’ll want to focus on the higher interest debt first. Save three months’ worth of living expenses in case of job loss or emergencies. This will allow you to create an emergency fund in case you encounter unexpected financial hardships. Start investing your money in stocks, real estate or bonds. One of the easiest ways to do this is to take advantage of a 401(k) or other retirement fund offered by your employer. Often, employers will match your contribution, so this is a good way to maximize your investment and make it grow quickly. Visit a First Bank Location Today Regardless of your age, it’s important to make savings a priority. If you’re in your 20s and getting started, it can help to have some professional advice. To learn more, turn to the financial advisors at your local First Bank.* We help 3 min read
Image for tile. Money Mule Scams: How Criminals Convert Fraud into Profit What is a Money Mule? Money mules are individuals who unknowingly or knowingly assist criminals in laundering money, often by transferring illegally sourced funds between accounts or across borders. The source of the money comes from fraudulent scams or other illegal activities like drug trafficking. Criminals use their mule’s identity and layer the illegal transactions in an attempt to hide the illegal funds from law enforcement. Once properly hidden, the criminals are able to access their funds and cash out on their illegal activity. Common Money Mule Scams There are a number of ways that criminals will try to hide their money from law enforcement. Money mules are a form of money laundering, where criminals attempt to make their illegally sourced funds seem legitimate. Here are a few common ways people can unknowingly fall victim to money mule scams. 1- Deceptive Job Offers Money mule scammers will act as employers offering high-paying, remote positions. Common job titles could be payment processor, financial coordinator, or international fund liaison. While these job opportunities seem legitimate, their primary function is to receive and transfer illegal funds. The criminal will wire a large sum of funds to the mule, then instruct them to keep a percentage and transfer the remainder of the money to a different account or purchase a certain amount of cryptocurrency. The criminal hides behind their mule’s identity and is able to more easily access their funds. 2 – Romance Scams This type of mule scam exploits a victim’s emotions and trust. Scammers will find their victims on social media sites, dating sites or other online chat channels. They will deceive their victims with made up personas often using stolen photos and fake details. Over time, the scammer will attempt to build an emotional connection by sending affectionate messages or personal stories. Once they feel they have earned the victim’s trust, they will fabricate a story requiring financial assistance. These are oftentimes medical emergencies or travel issues that need quick funding into an account. Once the scammer has convinced their victim to oblige, they will continue to exploit their trust to launder their illegal funds. 3 – Lottery, Prize, and Investment Scams If something seems too good to be true – it probably is. These scams typically start via an unsolicited message or phone call informing you that you’ve won a prize. They instruct their victims to take a number of steps before they can claim their prize, and that is where the danger lies. These steps could include gathering your personal details, wiring a “prize tax” or fraudulent fee, accepting a large sum of money, and/or transferring a portion of the winning funds to another account. Similarly, investment scammers typically promise their mule victims “return” for their illegal money transfers – sometimes in the form of cryptocurrency or percentages of the money they wire. What are the Consequences? Large overdraft balances are most often the first consequence to the money mule. Once the criminal has access to their mule’s account, they typically push a large lump sum out of the account. This amount oftentimes will exceed the typical balance in the mule’s account, leaving them with a substantial negative balance to dig out from. Acting as a money mule is illegal, whether the crime is knowing or unknowingly committed. The punishment for these crimes include imprisonment and federal charges. Additionally, your identity and personal information could be stolen from the criminals involved in the money mule scheme. Internet Crime Complaint Center (IC3): The IC3 is run by the FBI and accepts online internet crime complaints from the victim at www.ic3.gov How to Protect Yourself As with most methods of protecting yourself against fraud – remain cautious whenever someone requests your personal information or banking information. Only share those details with people or organizations that you trust. If you receive a job offer from an online business, do your due diligence to confirm they are a legitimate company. Additionally, a legitimate employer will not ask you to form a company or open a new bank account on their behalf. Always be cautious if anyone asks you to wire or transfer money on their behalf. Be weary if something seems too good to be true, like you’ve won an unsolicited prize or been chosen to participate in a giveaway. Scammers act on urgency. If someone is pressuring you to do something that you’re uncomfortable with, walk away. If you or someone you know is afraid they are involved in a money mule scheme, it’s not too late to stop.  Stop communicating with the person giving the directions. Tell your financial institution and consider changing accounts. Report suspicious communications or activity to law enforcement. The Internet Crime Complaint Center (IC3) is the Nation’s central hub for reporting cyber crime and run by the FBI.  Visit www.ic3.gov for resources and more information about how to file a report. Maintain receipts, contact information and communications (emails, text messages, voicemails) so that information can be passed to law enforcement, if needed.   5 min read
Best Business Checking Account – Jacksonville NC Running the best business in Jacksonville, North Carolina starts with having the best business checking account in Jacksonville, NC. And, opening the best business checking account in Jacksonville starts with a trip to one of our First Bank locations in Jacksonville. First Bank actually offers not just one, but five, of the best business checking accounts in town. Here’s a breakdown of them all: Business Essentials Perfect for small businesses, this account was named one of 2019’s “Best Bank Accounts for Small Businesses – Rewards” by Wallet Hub. Business Interest Accumulate interest on your earnings to get more bang for your buck. Business Advantage Make up to 500 transactions and $25,000 per month and up to $25,000 of cash deposits each month* Community Checking Best for small nonprofits and community organizations, this account is flexible and has minimal requirements. Commercial Analysis A more customized account for large businesses with big needs. Earn credits to offset fees and gain comprehensive treasury management services. Simply the Best The best business checking accounts in Jacksonville, NC don’t come without perks. Business Essentials, Business Interest, Business Advantage and Business Advantage Plus all come complete with online and mobile banking, online bill pay, 24-hour telephone banking, account alerts via phone, text or email and paper or electronic statements. First Bank’s business services don’t end with checking accounts either. We offer business savings accounts, loans, commercial mortgages, merchant services, business insurance and more. Use our business account comparison chart to find the appropriate account or stop by your nearest Jacksonville First Bank today. A transaction is defined as any checks paid, deposits, each deposited item, ATM withdrawals, debit card transactions, online and telephone funds transfers, and ACH debits and credits. There is a fee of $0.35 per item for each item in excess of 250 per statement cycle (or month).  A fee of $0.15 per $100 on all additional cash deposits. ——— Sources: Wallethub: http://wallethub.com/best-business-bank-accounts/ Investopedia: http://www.investopedia.com/terms/i/interest.asp?ad=dirN&qo=investopediaSiteSearch&qsrc=0&o=40186 2 min read
Earn More with Interest-Bearing Checking Accounts An interest-bearing checking account offers the interest accumulation of savings accounts with the withdrawal and check-writing ease of checking accounts. This best-of-both-worlds combination allows bank customers to accrue some interest on their balance while only needing to meet some minimum requirements. First Bank’s Interest-Bearing Checking Accounts The money in your checking account is yours and earning interest on it matters. At First Bank, we offer three types of checking accounts (two personal and one business) that accrue interest when the minimum balance is maintained. Each is uniquely designed to meet the needs of our many different customers. Interest-Bearing Personal Checking Accounts Everywhere Plus. Our Everywhere Plus account comes with free online and mobile banking, free online bill pay, and free paper or electronic statements. Everywhere Plus customers also have a credit card rewards program for eligible card. Everywhere Premium. The Everywhere Premium account includes all the basics of the Everywhere Plus level while also granting unlimited out-of-network ATM transactions with no First Bank fees, free member checks or 50% off other check designs, and four free official checks per statement cycle. Interest-Bearing Checking Account for Businesses With our Business Interest account, business owners enjoy: 250 free transactions per month Cash or coin deposits of up to $10,000 every month at no charge Rewards benefits with an eligible credit card Free 24-hour telephone banking Online and mobile banking Contact your local branch and get started with an interest-bearing checking account today. Is an Interest-Bearing Account Right for Me? According to the Las Vegas Review-Journal, interest-earning checking accounts are typically good for people who: Carry large account balances Spend less than they earn Keep a stockpile of cash or funds Are retired and want a higher-interest product than most of today’s investment accounts Pay attention to their finances and can meet the criteria needed to open an interest-earning checking account For a related article, visit: High Interest Checking Accounts – North Carolina While First Bank does not charge for mobile banking, your mobile carrier’s message and data rates may apply. The First Bank Digital Banking Apps are available for select mobile and tablet devices. There is no charge from First Bank, but message and data rates may apply. Must enroll in First Bank Online Banking and download the First 3 min read
First Bank logo
Privacy Overview

This website uses cookies so that we can provide you with the best user experience possible. Cookie information is stored in your browser and performs functions such as recognizing you when you return to our website and helping our team to understand which sections of the website are the most popular and useful.