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 Kids Savings Account

Use this account as an opportunity to teach children how to save and budget their money. Together, you can watch the balance grow.

Kids Saving

Benefits include:

  • $1.00 Deposit required to open the account
  • No monthly service charges
  • An attractive interest rate
  • Free Online Banking
  • Whenever a minimum balance of $1,000.00 is accumulated in the account, the option exists for the account holder to convert this balance into a 5 year CD with a premium APY that is higher than the APY offered on the Bank's regular 5 year CD


Terms and conditions:

  • Maximum age to open the account is 16.
  • Custodian of account must sign signature card and be present for all withdrawals unless they are completed online. Upon obtaining the age of 17, the Kids Savings will revert to a regular custodial statement savings account, with all associated fees and requirements. Custodian controls the withdrawals until the child reaches the age of 18.
  • Earned interest is reported to the IRS using the child's Social Security Number.
  • An excessive transaction fee of $5.00 will be charged for each transaction over 6 withdrawals or transfers.
  • An early closing fee of $20.00 will be charged if your account is closed within 90 days after opening.
  • FDIC Insured

Other terms and conditions may apply. Ask your account representative for a complete disclosure of the terms and conditions that apply to this account.

 

 

Student Checking Accounts

Students Checking, ATM Students Checking, Check

High school and college students (age 16 to 24) are eligible for this account while they are attending school.

Benefits include:

  • $25 Deposit required to open the account
  • No monthly service charge
  • Free Online Banking
  • Free Telephone Banking
  • Free Debit Card
  • Free First order of Checks
  • Unlimited FNB ATM Use
  • Unlimited Check Writing

Student checking is offered as a free service from First Northern Bank & Trust. We reserve the right to withdraw this service at any time.

Terms and conditions:

  • Minimum age to open the account is 16.
  • Minimum of one parent must sign as joint owner.
  • Minimum balance to open account is $25.00
  • Service charges waived until age 19, or up to age 24 if attending school.

Other terms and conditions may apply. Ask your account representative for a complete disclosure of the terms and conditions that apply to this account.

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First Northern Bank & Trust | Fourth Street & Lafayette Avenue Palmerton, PA 18071

(800) 344-2274 | (610) 826-2239 Local | [email protected]

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