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.

Benefits:

  • 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.

Account Details:

  • Minimum Balance to Open: $10
  • Minimum Daily Balance to Maintain Account: $0
  • Minimum Daily Balance to Earn Dividends: $0.01 
  • Monthly Service Fee: FREE

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.

Save Smart and Dream Big

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.

$10 minimum opening deposit. Free account with eStatements; $2 monthly fee for paper statements. KeyPoint Membership required.  

* Mobile carrier rates may apply. 

** Rates available as of 1/7/2026; subject to change without notice. Fees may reduce earnings.