Youth Banking

Features | Accounts | Open

A strong financial future begins with good money habits! Our Youth Checking and Savings accounts build financial experience while keeping you informed for the teachable moments.

Financial Wellness

Learn money management skills with our Balance Track program and online articles.


Enjoy no monthly account fee!


Move, manage and access money with Mobile1 and Online Banking.

Smart Spending

Make purchases and get money at over 30,000 fee-free ATMs with debit and ATM cards.


Monitor activity, set card controls and receive alerts.

1Mobile carrier rates may apply


Grow Into Your Account


Discover Financial Freedom—and get up to $75.2

Start your financial journey with a Youth Checking and Savings account. Open at a branch for a bonus up to $75, or online for a $25 bonus!


Kids Savings

Kids Checking

Student Checking

Feature Free for kids 17 and younger (then converts to Smart Savings) Free for kids 8-12 (then converts to Student Checking) Free for students 13-17 (then converts to Free Checking)
Online and Mobile Banking Free Free Free
Joint Owner Yes Yes Yes
($2 paper statement fee)
Free Free Free
Minimum Opening Deposit $10 $10 $10
Dividends3 View Rates N/A N/A
ATM and Visa Debit Card Free ATM Card

Daily limit of $100 for withdraws and $300 for purchases.
Free Debit Card

Daily limit of $100 for withdraws and $300 for purchases.
Free Debit Card

Daily limit of $1,000 for withdraws and $5,000 for purchases.

2Offer valid for KeyPoint's Student Checking, Kids Checking and Kids Savings accounts and can be canceled anytime. Accounts opened at a branch will receive a $25, $50 or $75 bonus; online account openings will receive a $25 bonus. May not be combined with other promotions. $10 minimum opening deposit. Bonus will be credited to the account at opening and cannot be applied to the opening deposit. Offer good for new Members ages 17 and under. Bonus not available if the Member has had any KeyPoint account in the previous twenty-four months. Bonus funds will not be available for withdrawal for twelve months after account opening. Account closing less than twelve months after opening will forfeit bonus. Other restrictions may apply. Taxes on bonuses, if any, are the recipient's responsibility. KeyPoint complies with federal and state tax reporting laws. 3Rates available as of 6/1/2024; subject to change without notice. Fees may reduce earnings.

Stay Connected!

Zelle®4 makes it easy to send and receive money with friends and family!

Learn More

4Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.


Get Started

Login—To open a new account as a joint owner, log into Online and Mobile Banking. If not a Member, join here and enjoy our new member offers!
Open Online or at a Branch—Apply in minutes! You'll need each account holder's full name, address, date of birth, and other identifying information.
Setup—Open with a minimum $25 deposit. Create a username and password. Set account alerts, recurring transfers, and enroll in Zelle®.