Your First Account

It’s Never Too Early to Start

Smart Start Savings




Learn to save with Smart Start Savings. Designed for young people under 18 and with no monthly service fee, a perfect way to begin. You will receive a piggy bank for each account opened to make savings fun! Consider a debit card for ATM withdrawals or deposits at the age of 12 to continue to teach your child about the value of money.

Checking Accounts

Our Free Checking account is a great place to start with your first checking account. You are eligible at age 16 with a qualified adult as a joint owner. The account offers free access to electronic services such as debit card, mobile banking, account alerts, remote check deposits and e-statements.

Savings Account

It is never too early to start savings for the future. Save automatically by linking your checking and savings account together for recurring transfers. Monthly service fee is waived until the age of 18.

Opening an Account

To open your account, you will need to provide basic personal information (name, address, contact information, date of birth and social security number) for each account owner. Identification is required along with an initial deposit into the account.


To learn more about savings and financial education, explore these fun links!

Glossary of Banking Terms
Money Factory
US Mint Kids Site

American Bankers Association Foundation
Suggested reading for financial education

Lower Elementary: Pre K – 2
Little Critter: Just Saving My Money
Follow the Money!
A Dollar for a Penny
Bargain for Francis
The Berenstain Bears’ Dollars and Sense
A Chair for my Mother
Beatrice’s Goat
Money, Money, Honey Bunny!
The Cat in the Hat’s Learning Library: One Cent, Two Cents
Do I Need It? Or Do I Want It? Making Budget Choices
Bunny Money

Upper Elementary: Grades 3 – 5
Gabriel Gets a Great Deal
How Much is a Million?
Just Enough Carrots
Tia Isa Wants a Car
Willie Wins
Yasmin’s Hammer
Abuela’s Weave
Elevator Magic
Rickshaw Girl
Isabel’s Car Wash
Lemonade for Sale
Rock, Brock, and the Saving Shock
The Story of Money

Middle School: Grades 6 – 8
Lawn Boy
Eyewitness Books: Money
The Mighty Miss Malone
Flat Broke: The Theory, Practice and Destructive Properties of Greed
Follow Your Money: Who Gets It, Who Spends It, Where Does It Go?
Go Figure! A Totally Cool Book About Numbers
Jackson Jones and the Puddle of Thorns
Make Lemonade
Mr. Chicken’s Funny Money
One Hen: How One Small Loan Made a Big Difference
The Lemonade War Series #1: The Lemonade War

High School: Grades 9 – 12
Not Your Parents’ Money Book: Making, Saving, and Spending Your Own Money
Paying for College Without Going Broke
Start It Up: Complete Teen Business Guide to Turning Your Passions Into Pay
The Wealthy Barber, Updated 3rd Edition
Making Money Work: The Teens Guide to Savings, Investing and Building Wealth
All About the Green