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Youth Accounts

Building a brighter financial future starts early.

Skyward Accounts

Our Skyward accounts are designed to help kids and teens learn smart money habits, with tools that grow with them. From their very first savings deposit to managing their own checking account and debit card, your child will gain confidence, independence, and valuable financial skills—all with your guidance.

 

Skyward Savings

Help your child soar toward a brighter financial future! Skyward Savings makes learning about money fun while building lifelong savings habits. Designed for those under 18, parents can guide deposits and withdrawals. Open an account in minutes online!

Features

  • For children from birth through age 18
  • Start saving with as little as $5.00
  • Earns interest on balances from $5.00 up to $25,000.00
  • Deposits anytime to grow savings
  • Monthly compounded dividends

*Parent/guardian co-sign required

Call or Visit Us to Open an Account

Skyward Checking

Skyward Checking lets teens 12–18 manage their money with parental oversight. They get a debit card, online access, and real-world experience. After a year of responsible use, they’re eligible for Visa® Credit Card pre-approval at 18. Open an account today!

Features:

  • No monthly service fee and no minimum balance required
  • Earns interest on balances from $100 up to $25,00
  • Visa® Debit Card with Automated Fraud Alert
  • Online & Mobile Banking with optional parent/guardian linking
  • Remote Deposit for easy check deposits
  • eStatements for secure recordkeeping
  • Online transfers between accounts
  • Custom low balance, withdrawal, and deposit alerts for parents and teens
  • Pre-approved for a Visa® Credit Card at age 18 and after 12 months of responsible account use (no instances of insufficient funds)

Open a Skyward Checking Account

Learn More in the FAQs

Disclosure – Parent/guardian co-sign required, account must have a joint owner that is 18 years of age or older. Skyward Checking automatically upgrades to Secure Checking when primary account owner turns 18 years of age and the joint owner can elect to be removed from the account at that time.

 

Skyward Account Rates

Skyward Checking & Savings Account Rates
Effective Date: 10/01/2025
AccountBalanceDividend RateAPYType
Skyward Checking $100 - $25,000 0.05% 0.05% Variable
Skyward Savings $5 - $25,000 0.25% 0.25% Variable

Saving and Checking Account rates are set monthly. Dividends on Savings are determined by dividing the Average Daily Balance (ADB) among each tier, and the accumulated amount is applied monthly. When the average daily balance includes multiple tiers, the resulting Annual Percentage Yield (APY) is blended. The calculated APY assumes an ADB of $500,000. Dividends on Checking accounts are paid on the ADB and credited monthly.

parent and child putting money in piggy bank

Coverdell Education Savings Account

Saving for a higher education? A Coverdell Education Savings Account lets you save up to $2,000 per child under 18, with tax-free earnings and withdrawals for qualified education expenses, and flexible use or transfers before age 30.

Click here to learn more.