FDIC-Insured - Backed by the full faith and credit of the U.S. Government
Banking that Grows with You
From a child’s first savings account to a teenager’s first debit card and a young adult’s first step toward building credit, MyStart offers age-appropriate financial solutions designed to grow with them.
MyStart Student Checking
A first checking account designed to help students ages 13–20 learn to manage their money with confidence.
For ages 13-20**
$20 minimum to open
No monthly service fee
$20 minimum to open
No monthly service fee
Additional Features:
- Free instant-issue debit card
- Free coin counting
- eStatements required
- MyFarmers Online and Mobile Banking available for customers ages 18 and older
- A parent or guardian may access Online and Mobile Banking for customers under 18
- Automatically converts to Farmers Checking when the customer reaches age 21
- Minimum Overdraft Privilege may be available when at least one account owner is 18 or older
- One overdraft fee waiver available per year
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MyStart Savings
Help your child begin building healthy savings habits with an account designed for young savers.
3.00% APY*
For minors under the age of 18
No minimum to open or monthly service fee
For minors under the age of 18
No minimum to open or monthly service fee
Additional Features:
- Free coin counting
- eStatements required
- Must be opened jointly with a parent or guardian
- Automatically converts to Statement Savings when the minor reaches age 18
To open your account:
Foundation Credit Card
Designed for first-time credit users, the Farmers Bank & Trust Foundation Credit Card offers a manageable starting limit to help establish responsible credit habits.
Available to applicants ages 18 and older
$750 limit
No annual fee
$750 limit
No annual fee
Additional Features:
- View transactions and make payments through MyFarmers Online and Mobile Banking
- Responsible card use may help you qualify for a Farmers Bank & Trust Personal Credit Card
- Rates, fees and eligibility requirements apply
**MyStart Student Checking is available for customers ages 13–20. Customers under age 18 must open the account jointly with a parent or guardian at a branch. Customers must be 18 or older to open an account online.
*Annual Percentage Yield. The advertised APY applies to balances up to $5,000. A 0.10% APY applies to balances over $5,000. Interest rates and Annual Percentage Yields are variable and may change after the account is opened. Limit one MyStart Savings account per minor. Rates effective 1/1/2026.
Foundation Credit Card applications are subject to credit approval. Rates, fees, terms and eligibility requirements apply. See the Foundation Credit Card Disclosure for complete details.
