Good Money Habits Start Young.
Saving money requires discipline and planning, and by starting early, children can learn the basics of financial responsibility and smarter money management.
Benefits of our Youth Savings Accounts:
| Share Type | Purpose | Min. To Open | Min. Balance Requirements | Age Range |
|---|---|---|---|---|
| Custodial Savings | Those wanting to gift funds to minors & restrict their access to the funds until they reach 18 | $5 | $5 | <18 |
| Smart Saver | For parent/guardian who wants their child to have a little more access to their funds than a custodial account allows | $5 | $5 | 0-12 |
| Teen Choice Savings | For young adults learning how to manage and budget their own account | $5 | $5 | 13-17 |
| Easy Checking For Teens | For young adults learning how to manage and budget their own account | None | None | 13-17 |
Custodial Savings
- Requires one minor under the age of 18 and one custodian over the age of 18
- Custodian does not have to be parent or guardian but must be 18 or older
- Minimum balance of $5
- Visit branch to apply
Smart Saver
- For minors ages 0 to 12
- Minimum balance of $5
- A parent/guardian over 18 must be added as a joint owner on the share
- Debit cards are not allowed
- Apply online
Teen Choice Savings
- For minors age 13 to 17
- Minimum balance of $5
- Can be linked as a source of standard ODP
- Apply online
Easy Checking
- No minimum to open or maintain
- Pays dividends
- No monthly service fees
- No minimum balance for instant issue debit card
- Apply online
*Please note, courtesy pay is not a feature on Easy Checking for teens.
