Grow & Go: Youth Accounts Built for the Future
Give your child a strong financial foundation with youth accounts designed to grow alongside them. Whether you're encouraging savings, teaching smart spending habits, or planning ahead with a share certificate, our accounts help young members (ages 0–17) build healthy money habits—with guidance from the people who know them best.
Grow & Go Savings
Teach our youth the power of saving with the Grow & Go Savings account. They’re available for youth as young as infants and will automatically transfer over to an adult account at age 18. Whether you’re saving allowance, birthday gifts, or just a little each month, it’s the perfect place to plant the seeds of financial confidence.
- Available for youth 0-17 years old
- Interest-bearing account
- Free Gift at time of opening
- Free Coin Counting Machine usage
- Child has full access
- Must be opened by parent or guardian
Scroll down for other account offerings for adults (grandparents, aunts or uncles) that can help kids save.
Grow & Go Spending
When your child is ready for some financial freedom, our youth spending account is a great addition to their savings account. With a debit card, online access, and built-in parental controls, they’ll gain real-world experience managing their own money in a safe, supervised way. It’s a smart step toward financial independence—with your guidance close at hand.
- Available for ages 13-17
- Free debit card helps your teen learn how to spend wisely
- No minimum balance
- With a parent oversight, it’s easy to transfer funds to your teen when they need it
- Digital Banking Access
- Alerts and card lock/unlock
Grow & Go Certificate
For families ready to plan ahead, this certificate is designed to help your child build their financial future. Unlike our normal certificates, additional deposits may be made at anytime to allow our youth to keep saving over time. It’s an excellent tool for setting aside money for milestones like college, a first car, or big future dreams.
- Available for youth 0-17 years old
- Only a $250 minimum balance
- Automatically renews
- Additional deposits may be made at any time
- Not to exceed $25,000 in combined 12-Month Youth Certificates for each youth primary owner
Other Youth Account Options
OTMA Accounts
An OTMA/UTMA account allows any adult to open an account on behalf of a child. The account is in the name of the youth, but the adult who opened the account is the one who has transactional control for the minor until they reach the age of majority. This is a great account for grandparents, aunts or uncles looking to put money aside for a younger relative.
POD Accounts/Child as Beneficiary
You also have the option of opening an account naming the child as beneficiary. The funds become the beneficiary’s upon the the passing of all account owners. This may be a great option if you do not want to open a new account in the child’s name, but want to make sure your money goes to your child or grandchild at the time of your death.