A kids account that offers plenty of teaching moments

When children see their parents doing grown-ups things, they often ask questions and soak up knowledge. This special checking account provides Moms and Dads (or other guardians) with plenty of opportunities to provide hands-on lessons in financial education.

  • No monthly service fee
  • Free Visa® Debit Card for easy purchases online and in stores
  • Kids can access their money at 30,000-plus fee-free ATMs

Give your child or teen a strong financial foundation with KeyPoint Credit Union's youth banking accounts. Our student checking accounts, kids checking accounts, and youth savings accounts make learning money management easy. Serving the San Francisco Bay Area, Santa Barbara County and beyond.

Get kids started on the right financial path

Frequently Asked Questions

When your child turns 18, their Student Checking account automatically converts to a Money4Me Checking account with no monthly account fee and no minimum balance maintenance requirement. A Kids Saving account will convert to a Smart Savings account at the age of 18.

Once your child turns 18, you can either remain on the account or visit a branch to update the account holders.

A Kids Savings account is a great place to start. To apply, your child must be younger than 18 years old.

Open a Kids Checking account when your child turns 8. At 13, the account will automatically convert to a Student Checking account.

Resources to help you manage your money
Mobile Banking
Manage your money quickly and easily
How to Videos
Watch help videos on a variety of topics
Financial Calculators
Run the numbers on spending and saving
Fraud Prevention
Find out how to avoid common scams
Bank From Your Phone
Easy banking with our handy mobile app

Check balances, pay bills, deposit checks and more with our mobile app.

KeyPoint Membership required.

* Must have a responsible adult (18+) joint owner. At age 13, automatically converts to Student checking account.