Helping your kids learn about money early on sets them up for lifelong financial confidence. Whether they’re earning a little from a part-time job or getting a weekly allowance, it’s a great time to teach them how to plan, save, and make smart choices with their money.

 

 Opening DepositMinimum AgeMonthly FeeDebit CardOverdraft Protection Option 
Youth Savings

$5

No minimum

No

No

No

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Teens 'N' Charge Checking

$5

Ages 8-18No

Yes

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Learn More

Youth Savings

Helping kids build great money habits starts small. This account is designed for kids under 18 and only takes $5 to get started.

Your Youth Savings Account comes with these perks:

  • No monthly fee
  • Low $5 opening deposit

Requirements:

  • Must have a joint owner who is 18 years or older (does not need to be a parent or legal guardian)
  • No minimum age to open a youth account, as long as a social security number is provided for the minor
  • If the child is too young to sign, the joint owner will sign for both the child and themselves 

Teens 'N' Charge Checking

If the thought of your child with a credit card in hand makes you bite your nails, we can help. Our Teens ‘N’ Charge account is specifically designed to teach them how to be financially responsible. 

With this no-fee checking account and debit card, your child can start learning how to manage their money in a real, hands-on way. They can easily deposit money using our Mobile Deposit and for kids ages 12-18, you can add Overdraft Protection to help introduce how credit works. 

The best part? You’ll stay on the account as a co-owner, so they can build smart habits while you stay in the loop.

Your Teens ‘N’ Charge comes with these perks:

Requirements

  • Minors ages 8-18 can apply for a youth checking account
  • To apply, parent/legal guardian or minor must bring in a social security number
  • To make withdrawals on their own, the child will need to provide a photo ID

The first step into saving and spending.

Whether you're a parent, grandparent, or guardian, you can open a youth account as a joint owner for the child in your life. Just bring in the required identification to any local branch. Once they turn 18, you can remove yourself from their account. 

Youth accounts must be opened in a branch or through a virtual appointment. 

Ready to open a youth account with the perks of membership?

Contact Us