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 as You Grow
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