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 all the difference. Our youth banking options include savings and checking accounts designed for each stage. They are safe, age-appropriate, and have no monthly fees to help kids and teens learn the value of money while giving parents peace of mind.

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Student Checking (ages 0-12)

Build skills, one transaction at a time.

Student Checking is the perfect first account for young Members to start learning how money works. With no monthly service fee, no overdrafts, and their very own Visa® debit card for ATM withdrawals, kids get the thrill of having a card like mom and dad and the guidance to use it wisely. Parents remain joint owners to monitor activity, encourage smart choices, and celebrate milestones. At age 13, the account automatically upgrades to Teen Checking.

Why Parents Choose Student Checking

  • Their own Visa® debit card: A milestone kids love to build real-world skills.
  • Joint ownership: Stay connected and guide every step.*
  • No monthly service fee: Keep it open at no cost.
  • No overdrafts: Spend only what is in the account.
  • Automatic upgrade at 13: Smooth transition to Teen Checking.

Teen Checking (ages 13-17)

Independence with oversight.

Teen Checking gives teens the freedom to manage their own money while learning to spend responsibly. With no monthly service fee, their very own Visa® debit card for shopping in-store, online, or at ATMs, and mobile banking to track spending anywhere, teens get a true taste of financial independence. Parents remain joint owners for oversight, ensuring guidance is always close by. At age 18, the account automatically converts to an adult account.

Why Parents Choose Teen Checking

  • Their own Visa® debit card: Practice smart spending and spending independence.
  • Joint ownership: Guide their progress while giving them space to learn.*
  • Mobile banking: Manage money, track spending and stay in control. Anytime. Anywhere.
  • No monthly service fee: Keep every dollar.
  • No overdrafts: They can only spend what is available.
  • Automatic upgrade at 18: Seamless switch with skills to manage it.

Student Savings (ages 0-12)

Help them save for what matters most.

Student Savings is a savings account for kids up to age 12 that turns small deposits into big lessons. From their first coin jar to their first goal, they will see how money grows over time and feel proud they did it themselves. Parents are joint owners, so you can guide, celebrate wins, and keep them motivated to save for the next big thing. This account has no monthly service fee, pays dividends, and automatically transitions to a Teen Savings Account when they turn 13.

Why Parents Choose Student Savings

  • Earn dividends: Watch their savings grow over time.
  • Joint ownership: Stay connected and guide every step.*
  • Low minimum deposit: Easy to open and start saving right away.
  • Motivation built in: Set goals they can reach and celebrate together.
  • Smooth transition: Pairs perfectly with Student Checking and prepares them for Teen Savings.

Teen Savings (ages 13-17)

Build independence, one dollar at a time.

Teen Savings helps your teen take the next step toward financial independence. With no monthly service fee, dividend earnings, and Visa® debit card access, they can manage their savings while learning to handle everyday transactions responsibly. Parents remain joint owners for guidance, and when they turn 18, the account converts to a Share Savings Account.

Why Parents Choose Student Savings

  • Earn dividends: Watch their savings grow over time.
  • Visa® debit card access: Practice smart spending and ATM use.
  • Joint ownership: Guide their progress while giving them space to learn.*
  • Low minimum deposit: Easy to open and start saving right away.
  • Motivation built in: Set goals they can reach and celebrate together.
  • Checking-ready: Works seamlessly with Teen Checking for everyday spending and saving.
BLOGS

Tips That Can Help You Save With Confidence.

  • Blog

    Easy Online Investing with the Guidance of a Financial Advisor

  • Blog

    Grow Your Savings Safely: The Power of Share Certificates

  • Blog

    Helping Kids and Teens Build Smart Money Habits

  • Blog

    Think You Have Time to Save for Retirement? Think Again.

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.

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