Checkless Checking

Open an Xpress Account and earn a $100 bonus when you make 10 debit card purchases totaling $100 or more within 60 days.¹

Xpress Account. Financial independence for teens. 


Help your teen develop smart money habits with the Xpress Account. With no paper checks,² no overdraft fees, and no minimum balance requirement, they can build sound financial habits. For joint accounts, it also provides peace of mind to parents with 24/7 visibility and control through online and mobile access.³ 

Minimum age to open Xpress Account is 13.4 Minimum age to open as an individual owner is 16. Account owners age 13-15 require an adult owner 18 or older on the account. 


Benefits of a checkless checking account

Phone icon

No Overdraft Fees

Avoid unexpected overdraft fees by only having the ability to spend the amount within your account. 

Laptop icon

No Monthly Maintenance Fees5

When primary account owner is 13 – 24 the monthly maintenance fees are waived.

Phone icon

Online and Mobile Access

Account access and monitoring from anywhere, 24/7, online or on our app.

Shield icon

Security and Monitoring

Card Center provides greater control and visibility to monitor transactions and turn the debit card off and on with just a swipe. 

Check Icon

Mobile Check Deposit6

Quickly turn a paper check to money in your account. It's as easy as Tap. Snap. Done.

Contactless icon

Contactless Visa® Rewards Debit Card

It's easy to pay in store, online, or on-the-go. Plus a rebate of up to four foreign (non-Fulton Bank) ATM fees (maximum of $10) each statement cycle if the primary account owner is 13-24.If under 18, an adult 18 or older is required on the account for a debit card. 

open online »

Opens in a new window.

Or visit a financial center »

Opens in a new window.

Bank anywhere, anytime with our mobile app.

What is a checkless checking account and who needs one?

A checkless checking account is a simpler approach to managing a checking account. It’s ideal for younger customers or individuals who do not need to write paper checks. It’s also a safe way to help teenagers and young adults establish good financial habits without the potential of overspending and overdraft fees. A checkless checking account can be a good fit for individuals who need help managing their money or only need the essentials.

Guidance and resources for teens and parents.

It’s never too early for your teen to learn about managing finances and developing good money habits. Our Education Center provides articles and tools to help with everything from saving and budgeting to staying safe online.  

Teens studying


Summer days offer numerous opportunities to talk money with teens and encourage hands-on learning. Use these 4 practical ways to raise your teen's financial IQ over the school break.

Learn More »Opens in a new window.
Family with piggy bank


Saving money isn't just possible—it can be enjoyable if you make it a challenge or game. Check out these 6 tips to save and have fun while you’re doing it.



Learn More »

Opens in a new window.
Mom and daughter on laptops


Teens are comfortable online, but comfortable doesn’t always mean safe. That’s where parents can make a difference.



Learn More »

Opens in a new window.