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 a $75 bonus.2
Start your financial journey with a Youth Checking and Savings account. Open online or at a California Bay Area or Santa Barbara County branch for a $75 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 |
| 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
2Available 1/1/2026-3/31/2026. To qualify, individual must be 17 or younger and open a KeyPoint Student Checking, Kids Checking or Kids Savings account with $10 minimum opening deposit. Annual percentage yields as of 2/1/2026 on Kids Savings: balances under $50,000 0.05%; balances $50,000 and up 0.10%. Bonus paid the first business day after account opening; cannot be used for opening deposit. May not be combined with other promotions. KeyPoint Membership required. Not available for Members who have had a KeyPoint account in previous 24 months. Taxes on bonuses, if any, are recipient's responsibility. KeyPoint complies with tax reporting laws. Other restrictions may apply.
3Rates available as of 2/1/2026; 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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