If we detect fraudulent activity on your debit card, we’ll check with you before allowing potential fraud on your account.


For an optimized online experience, we strongly recommend using Forcht Bank’s Business Online Banking with either Google Chrome or Microsoft Edge browsers

Students live a busy lifestyle, so we made an account that makes banking quick and convenient. From middle school through college, this account is available for students ages 13-24 and with no minimum balance required, we're taking the stress out of stretching a tight budget. Welcome to Happier Banking.

Ready to experience happier banking?


For a limited time only, students can earn Apple Airpods® after account opening and completing qualifying activities!*

For students stretching a tight budget, this account has no minimum balance required.

  • No monthly service charge, for students age 13 to 241
  • Mobile & Tablet Banking Apps (Apple, Android & Kindle products)
  • Online, Mobile, & Telephone Banking
  • Online Bill Pay
  • ATM/Debit MasterCard®
  • Unlimited ATM fee refunds for non-Forcht Bank ATM withdrawals
  • eStatements2
  • $50 minimum opening deposit
  • No minimum balance required

1Proof of student status may be required. Account opened by a minor (under age 18) requires a parent or guardian to be a joint owner of the account. At age 25, account will be converted to Easy Checking. This account does not offer Accidental Overdraft Coverage.

2eStatements require enrollment in online banking. $5 per month fee for paper statements.

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Standard messaging and data rates may apply for app download and usage. Apple and Apple Store® are registered trademarks of Apple, Inc. Android is a trademark of Google LLC., Inc. and its affiliates are the sole owners of the Amazon Marks, including Kindle.

*Offer is not available to existing Forcht Bank checking customers or customers whose accounts have been closed within the last 12 months. Promotional period begins on 4/25/2022 and ends on 6/04/2022. To receive the Apple Airpods®: (1) Open a Forcht Bank iStudent checking account, subject to approval; (2) Deposit $50 or more at account opening; (3) Complete at least 10 debit card transactions; and (4) enroll in Online Banking. All requirements must be met within 60 days of account opening. If all requirements have been met, the Apple Airpods® will be available to pick up at the branch where their account was opened 5 business days after the end of your 60 day promotional period. For accounts opened online, the Apple Airpods® can be picked up at the branch location nearest to the customer mailing address. No minimum balance is required to earn the bonus. The fair market value of the Apple Airpods® is considered interest and will be reported on IRS Form 1099-INT. If checking account is closed within 180 days after account opening, an early account closure fee will apply. Forcht Bank reserves the right to end the promotion without notice. Offer cannot be combined. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Apple® and Apple Store® are registered trademarks of Apple, Inc.

Happier Banking Has No Limits

Enjoy 24/7 access to your finances with Online & Mobile Banking.

Happier Homeownership Starts Here

Found your dream home? Our Online Mortgage Application lets you apply 24/7 in as little as 10 minutes.

Still have questions? Check out our Frequently Asked Questions page. Visit our FAQs

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