Kids Savings and Checking Accounts
Features | Accounts | Open
A strong financial future begins with good money habits! Our Kids Checking and Savings accounts help children build financial experience while keeping you informed for the teachable moments.
Secure banking for kids
Parents can monitor activity, set debit card controls and receive alerts so you’re always in the loop on your child’s saving and spending habits. And there are other great features like:
Financial Wellness
Learn money management skills with our online articles.
Convenient
Enjoy no monthly account fee!
Access
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 card.
Open a Checking and Savings Account
Discover Financial Freedom—and get up to $125.2
Start your financial journey with a Youth Checking and Savings account. For a limited time, open at a California Bay Area or Santa Barbara County branch for up to a $125 bonus.2 Or open online for a $50 bonus.2
Offer ends October 31, 2025. Open an account today!
|
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 |
| eStatements ($2 paper statement fee) |
Free | Free | Free |
| Minimum Opening Deposit | $10 | $10 | $10 |
| Dividends3 | View Rates | N/A | N/A |
| Visa Debit Card | 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. |
1Mobile carrier rates may apply
2Offer valid for KeyPoint's Student Checking, Kids Checking and Kids Savings accounts from 9/15/2025 to 10/31/2025. Individuals who open account in-person at a branch may select a seasonal item that they can exchange for the bonus amount indicated on the item, which will be $50, $100 or $125. Those who open online will receive a $50 bonus. May not be combined with other promotions. Kids Savings Account: 0.05% APY (Annual Percentage Yield) for balances under $50,000; 0.10% APY for balances $50,000 and greater. $10 minimum opening deposit. Bonus will be credited to the account at opening and cannot be applied to the opening deposit. KeyPoint Membership required. 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 10/1/2025; subject to change without notice. Fees may reduce earnings.
4Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
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