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

Better Banking for a BUsy Lifestyle

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. Need more of a reason to open your iStudent Checking account? Welcome to Happier Banking.

Ready to experience happier banking?


  • 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®
  • eStatements2
  • $50 minimum opening deposit
  • No minimum balance required

Bank on-the-go

No matter what your busy schedule calls for, have peace of mind knowing you can take care of all your banking needs from a smartphone or tablet. Download the Forcht Bank Mobile Banking app for free on the App Store or Google Play to enjoy features like: 

  • Check balances
  • Deposit checks3
  • Monitor and manage your debit card
  • Transfer funds
  • And more! 


With Forcht Bank's premium text alert system, Fraud Stop, we help you stop debit card fraud before it starts.  

How does it work?

Simple. If our system detects a potential attempted fraudulent purchase using your debit card information, we will text* you asking if the purchase is an authorized transaction. Simply reply “Yes” to approve the purchase or “No” to stop the purchase.

How do you sign up?

Easy. All Forcht Bank customers are automatically enrolled for our card monitoring service if you have provided your banker with your mobile phone number. You will then receive this instantaneous text alerts to help stop fraud on your debit card.

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.

3 Mobile Check Deposit is available for personal accounts opened for at least 60 days and in good standing. Mobile Check Deposit limits for personal accounts are $2500 per item. Mobile Check Deposit is available for business accounts opened for at least 90 days and in good standing. Mobile Check Deposit limits for business accounts are $2500 per item and $5000 per day. Standard data rates may apply from your wireless carrier. 

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.

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

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