Beyond the Bank Statement

Back to Campus: A Smart Money Game Plan for College Students

Written by Emily Barling | Jul 8, 2025 3:59:20 PM

Whether you're getting ready for your very first semester or heading back for another year, taking control of your finances can help you feel more confident, both in and out of the classroom.

At First Hope Bank, we know how exciting and overwhelming college life can be. That’s why we’re here to offer tools, guidance, and support to help you stay on track financially. With just a few simple steps, you can build good habits now that will serve you well, long after graduation.

Start with the Right Checking Account

Getting your finances in order starts with having a place to keep your money safe and easy to access. If you’re still using a parent’s account or paying with cash, it might be time to open a checking account of your own.

Our student-friendly checking accounts make managing your money simple. Here’s what you’ll get:

  • No monthly maintenance fees
  • A free debit card
  • Mobile and online banking
  • Spending and balance alerts

From splitting a meal with friends to paying for textbooks or getting your first part-time paycheck, a First Hope Bank checking account helps you spend and save with confidence, on your own terms.

Start Building Credit (The Smart Way)

College is a great time to start building healthy financial habits—and that includes establishing good credit. A strong credit history can help when it’s time to rent an apartment, buy a car, or apply for a job after graduation. 

Using a student credit card responsibly can make a big difference. Just remember:

  • Pay on time—every time
  • Keep your balance low
  • Only charge what you can afford to pay off

At First Hope Bank, we offer credit options designed with students in mind. And if you're not sure where to start, our team is always here to guide you—no pressure, just helpful advice.

Take the Stress Out of Budgeting

Let’s face it—budgeting might not be the most exciting part of college, but it makes everyday spending a whole lot easier. Knowing where your money’s going helps you plan for groceries, gas, books—and those spontaneous late-night snacks.

First Hope Bank’s digital tools make budgeting easier than ever. You can:

  • See your spending by category
  • Set alerts to avoid overdrafts
  • Check your balance anytime, anywhere

Need help creating a budget that works? We’ve got you covered. Our team is always happy to help you build a simple plan that fits your goals and your lifestyle.

Bank from Anywhere

We know you’ve got a lot on your plate, and stopping by a bank isn’t always convenient. That’s why we’ve made sure you can handle almost everything from your phone.

 With our mobile banking and online tools, you can: 

  • Deposit checks with your phone’s camera
  • Transfer money between accounts
  • Send and receive funds fast with Zelle®
  • Turn your debit card on or off with just a tap

Whether you’re on campus, home for break, or studying abroad, First Hope Bank goes wherever you go.

We’re Here for Every Step

At First Hope Bank, we’ve been serving our local communities for over 100 years. We believe in helping students get a strong financial start—without complicated terms or sales pitches.

From your first checking account to your first loan, we’re proud to be part of your journey. Our team is always here to answer questions, explain your options, and help you feel confident about your money.

When you bank with us, you’re not just opening an account—you’re building a relationship with people who care about your future.

Ready to Get Started?

If you’re looking to take control of your finances this semester, we’d love to help. You can open your student account by stopping by any First Hope Bank branch.

No pressure. No jargon. Just real help, from real people, whenever you need it.

College life is full of exciting firsts. Let’s make this the first time you feel great about your finances, too. With First Hope Bank by your side, you’ve got everything you need to move forward with confidence.