Smart Account Solutions Just for Kids

It’s never too early to start teaching a child the right way to save money for the future. We offer several different accounts with those goals in mind.

We’re here to help. Let us know if you need any assistants in deciding which account is right for you.

Smart Teen
eAccount

Smart Teen eAccount is designed to promote financial responsibility and teach teens important money skills.


  • √ $25 Minimum Opening Deposit
  • √ No Balance Requirements
  • √ No Service Charge
Info At a Glance
My SumDay Savings

My SumDay Savings is for kids from newborn to age 13. When you start saving now, it all adds up.


  • √ $10 Minimum Opening Deposit
  • √ No Balance Requirements
  • √ No Service Charge
  • √ Earn Interest
Info At a Glance
My SumDay CDs

For young savers from newborn through age 21. My SumDay CDs offer a secure savings option with higher earnings.


  • √ $1,000 Minimum Opening Deposit
  • √ $25,000 Maximum
  • √ Additions allowed
  • √ Earn Interest
Info At a Glance

Smart Teen eAccount
at-a-Glance

Our Smart Teen eAccount was designed to promote financial freedom and teach financial responsibility.


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Teens Love the Free* Perks
Parents Appreciate the Account Benefits
  • Ability to monitor spending with Mobile and Online Banking
  • Debit card limit may be set for an amount that works best for teen spending limits
  • Online transfers to quickly and easily move money to teen’s account
Account Details
  • Available to teens ages 13 – 19 years old
  • Joint account with adult co-owner recommended
  • $25 minimum opening deposit
  • Free eStatements through Mobile and Online Banking ($2 monthly charge for paper)
  • Optional Overdraft Protection from an FNB Savings Account ($2 reduced fee)
  • Overdraft Free Pass – No overdraft fee if the overdraft balance is $10 or less
  • ATM withdrawal at any FNB ATM – a $1 fee when using a non-FNB ATM
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Keep in Mind
  • No paper checks
  • No interest paid
  • Required to open account: SSN, DOB, driver’s license or permit (if applicable)
  • At age 20, your Smart Teen eAccount will convert to My Card Account
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Financial Education for Teens
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Mobile Banking, Mobile Deposit and Text Banking are FREE services offered by FNB!
  • Mobile carrier’s message and data rates may apply.

My SumDay Savings Accounts
at-a-Glance

My SumDay Savings Accounts are just for kids. When you open a My SumDay Savings Account for your child, you are starting them on a lifetime of good savings habits.


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My SumDay Savings Account
  • For young savers from newborn to age 13
  • Low minimum opening balance of $10.00
  • Earn money with a tiered interest rate based on balance
  • No account fees
  • Transaction Limits Apply
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Put Your Savings on Autopilot
  • Setup recurring automatic transfers with Mobile or Online Banking to a My SumDay Savings Account
  • You ask. We’ll do it! Automatic transfers to a My SumDay Savings Account can be set-up in the amount and on a schedule that works for you
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Keep in Mind
  • Account is registered in child’s social security number
  • Must have an adult joint owner
  • Adult and child signatures are required for withdrawal (if able)
  • One My SumDay Savings Account per child
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Financial Education for Kids

My SumDay CDs
at-a-Glance

My SumDay Certificate of Deposit (CDs) are just for kids. When you open a My SumDay CD for your child, you will be helping them towards their financial goals. Maybe their first car. Maybe college or a trade-school. Maybe a trip abroad. Turn their Maybe into a SumDay! For interest rates on My SumDay CDs go to our Rates Page.


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My SumDay CD Account
  • For young savers from newborn through age 21
  • Minimum opening balance of $1,000
  • Maximum total deposits of $25,000
  • Additions are allowed
  • Interest compounds quarterly
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Keep in Mind
  • Account is registered in child’s social security number
  • Must have an adult joint owner
  • Adult and child signatures are required for withdrawal (if able)
  • One My SumDay CD per child
education, educate, school, college, shelf, books
Financial Education for Kids