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Show kids how rewarding work can be. This free account earns cash back on everyday debit card purchases.*

Key Features

  • Cash Back
  • ATM Withdrawal Fee Refunds*
  • Debit Card
  • Digital Banking
  • Available to customers ages 0–21
  • Free checking that pays you to shop
  • 3.00% cash back on debit card purchases*
    • No category restrictions on purchases
    • Cash back earned on up to $150 in purchases monthly
  • Unlimited refunds on ATM withdrawal fees, nationwide (up to $4.99 per transaction)*
  • No minimum balance to earn rewards
  • No monthly service charge
  • Free digital banking
  • Free Visa® EMV debit card
  • Unlimited check writing
  • $50 minimum deposit to open


Enrollments must be in place and all of the following transactions and activities must post and settle to your FNB Youth Cash Back Checking account during each Monthly Qualification Cycle:

  • At least 1 direct deposit, ACH payment or mobile deposit transaction
  • At least 7 debit card purchases
  • Be enrolled in and agree to receive eStatements
  • Be enrolled in and log into online banking

So easy. If you don't meet the qualifications one month, don't worry. There is no penalty, and you still have a free checking account. Plus, you can get back to earning your rewards the very next month.

Samantha Bottko

Samantha Bottko

Customer Service Representative

Email Samantha
Main Office: Battle Lake
Joined FNB in 2014

Heidi Hansen

Heidi Hansen

New Accounts / Internet Banking Representative

Email Heidi
Main Office: Henning
Joined 2016

Nicole Lohse

Nicole Lohse

Customer Service Representative / Social Media Administrator

Email Nicole
Main Office: Ottertail
Joined FNB in 2014

*Minimum to open is $50. When monthly qualifications are met, you receive 3% cash back on debit card purchases that post to and settle account during monthly qualification cycle up to a total cash back of $4.50 per monthly qualification cycle. Qualifying transactions must post to and settle account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle account. ATM-processed transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Domestic ATM fees incurred during qualification cycle will be reimbursed up to $4.99 per single transaction and credited to account on the last day of monthly statement cycle. Transfers between accounts do not count as qualifying transactions. Checking account available for ages 0 to 21 years of age, the account will be changed to the FNB Cash Back checking account when the primary owner becomes of the age of 21. Limit one FNB Rewards checking account per SSN.

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