Your Equity. Your Rules.

Use the value you've built to renovate, consolidate, or fund what's next. 

Loans That Mean Business

Lending options tailored for hardworking business owners like you.

News. Money tips. Community impact.

Insights on money, life, and the communities we serve.

Frontwave Foundation

Turning compassion into action through grants, scholarships, and support for local nonprofits.

Community
See how we support local causes and initiatives that strengthen the neighborhoods where we live and serve.
Learn about our 501(c)(3) nonprofit advancing positive change in our communities.
Special Offers
Discover exclusive discounts & special offers from local businesses — made just for our community!

Follow us on Instagram to win free tickets to Frontwave Arena!

Student Checking & Savings (ages 0-12)

Teen Checking & Savings (ages 13-17)

Savings and Checking Options That Grow with Them.

From their first savings deposit to their first debit card, the right account can make a big difference. Frontwave Youth Accounts are built for every stage, with savings and checking options that are safe, age-appropriate, and free of monthly fees. They help kids and teens learn smart money habits while giving parents peace of mind. Building confidence that lasts well beyond their first account.

Youth Accounts can't be opened online. Visit a branch to open an account. Schedule your appointment today!

Student Checking (ages 0-12)

Build smart money habits early.

A first account designed to teach, guide and grow. Kids get their own debit card. Parents stay connected every step of the way.

Why Parents Choose Student Checking


Their own Visa® debit card: Real-world money skills start here.

Joint ownership: Stay involved and guide decisions at every step.*

No monthly service fee: Keep it open at no cost.

No overdrafts: Spend only what's available.

Automatic upgrade at 13: Seamless move to Teen Checking.

Teen Checking (ages 13-17)

Independence with guardrails.

Freedom to spend. Guidance when it matters. Teens get real control with a debit card and mobile banking. Parents stay connected.

Why Parents Choose Teen Checking


Their own Visa® debit card: Shop, spend and learn in real time.

Joint ownership: Oversight without the hovering.*

Mobile banking: Track spending anytime, anywhere

No monthly fee: Keep every dollar.

No overdrafts: Spend only what's available. 

Automatic upgrade at 18: Smooth move to adult checking.

Student Savings (ages 0-12)

Small deposits. Big lessons.

Start early. Make it stick. Kids watch their money grow, set goals, and build confidence. You stay right there to guide every step.

Why Parents Choose Student Savings


Earn dividends: Watch savings grow over time

Joint ownership: Guide, support and stay involved*

Low opening deposit: Easy to start, easy to build

Goal-driven saving: Learn by doing and celebrating wins

Grows with them: Transitions to Teen Savings at 13

Teen Savings (ages 13-17)

Independence, one dollar at a time.

Turn saving into a habit that sticks. Teens grow their money, set goals and build confidence. You stay connected with guidance along the way.

Why Parents Choose Student Savings


Earn dividends: Watch savings grow over time

Joint ownership: Oversight without taking over*

Low opening deposit: Easy to start and keep building

Goal-driven saving: Build discipline and momentum

Grows with them: Converts to Share Savings at 18

Pairs with Teen Checking: Save here. Spend there.

BLOGS

Tips That Can Help You Save With Confidence.

Disclaimers

* Parent/guardian required to be a joint owner on the account. A new signature card will be signed and a standard debit card will be issued.

Pages within