Kids Savings Account

Start smart. Build lifelong habits.

Open an Account Visit a Branch

No monthly service fee

Free savings tools and educational resources

Parental controls keep you in charge

Free Mobile* and Online Banking

Build smart money habits early

Turn birthday bucks, allowance and part-time job pay into lifelong money habits with a KeyPoint Kids Savings Account—perfect for kids 17 and younger.

No Monthly Fees: Every dollar stays in your child’s account
Free Savings Tools & Education: Teach smart money habits
Parental Controls: Monitor activity, set debit card limits, and receive alerts
Easy Access: Free Mobile* and Online Banking
Grow Faster: Earn dividends**—check rates.

What happens when my child turns 18?

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.

What’s the minimum age to open an account for my child?

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.

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