Tomorrow’s Savers Can Start Today
Help make responsible banking a lasting practice with products, services and programs specially designed to encourage the young people in your life to manage their money and reach their savings goals.
lyfe Checking
Earn 4.00%/4.13%APY** on deposits up to $1,000
It’s your everyday account for spending, saving and staying in control of your money, right from your phone or computer. Built to be secure and simple to use, lyfe gives you unique debit card options and an app that makes banking easy. Even better, lyfe delivers 4.00% / 4.13% APY** on daily balances up to $1,000 with no monthly service fee!
It’s the perfect (and perfectly free) way to spend and save.
- For ages 12 to 18
- Open your account with just $50
- Free tools so your parents can help you manage your money
- No monthly fees and no balance requirements
- Get a free debit card and access to over 40,000 ATMs (including all ATMs at 7-Eleven stores)
**LYFE CHECKING DISCLOSURE
Account is for customers aged 12 to 18 and converts to a Journey Checking Account at age 19. This is a variable interest rate account. Rates are effective as of August 21, 2025, and are subject to change at any time and without notice.
• An interest rate of 0.15% will be paid only for that portion of your daily balance that is greater than $1,000.00. The annual percentage yield for this tier will range from 4.13% to 0.19%, depending on the balance in the account.
• If your daily balance is $1,000.00 or less, the interest rate paid on the entire balance will be 4.00% with an annual percentage yield of 4.13%**.
• If your account does not have the required activity noted below** an interest rate of 0.15% will be paid on the entire balance. The annual percentage yield for the entire balance will be 0.15%, depending on the balance in the account.
**Premium rate requires monthly deposit or transfer of $10 or more and signing up to receive eStatements. One account per Social Security Number. Minimum $50.00 to open an account. Fees may reduce earnings, and the rate may change after account opening. Terms and conditions apply.
LYFE ACCOUNT ONLINE OPENING DISCLOSURE: A parent and/or legal guardian is required to open a LYFE Account online and in-branch. When opening an account online, the parent/guardian will be a joint owner and will receive an email asking them to also complete an application. The joint owner will also be given the opportunity to help fund the account on behalf of the student/child if so desired.
Debit Cards & DIGITAL BANKING
Our lyfe Account provides a comprehensive solution for young account holders by including a debit card and digital banking services. These tools work together to offer kids the freedom to manage their own finances, while empowering parents with digital controls to monitor and guide their spending. It’s a perfect combo that lets your child explore the world of money safely, helping them build confidence and learn smart financial habits—all with you right there to cheer them on!
Even better, our new School Affinity Card program gives local school students, parents, teachers, staff and alumni the opportunity to to bank with pride and purpose. Our custom-branded debit cards feature the logos and mascots of our local high schools and colleges and every time you use the card, it generates a donation to either the school’s ASB fund or foundation. As we like to say, with every tap, you give back!
Learn More About Affinity Cards
Learn More About Digital Banking
Card Controls
With Card Control, managing your child’s debit card is quick and easy. You can instantly turn the card on or off right from your mobile phone, giving you peace of mind if it’s ever lost or stolen. This great feature protects against fraud and adds an extra layer of security. Plus, with real-time alerts, you’ll always be in the loop on your child’s spending, making it easy to stay on top of their money management.
Youth Banking Accounts
| Youth Accounts | lyfe Account | Super Saver Account | Dream Builder & Saver CDs | |
|---|---|---|---|---|
| Minimum Balance to Open Open/Close | ||||
| Minimum Balance to Open | $50 | $1 | $50 | |
| Earns Interest Open/Close | ||||
| Earns Interest | ||||
| Digital Banking Open/Close | ||||
| Digital Banking | None | |||
| Open Online | Open in Branch | Open in Branch | ||
All accounts offer digital banking.
LYFE ACCOUNT ONLINE OPENING DISCLOSURE: A parent and/or legal guardian is required to open a LYFE Account online and in-branch. When opening an account online, the parent/guardian will be a joint owner and will receive an email asking them to also complete an application. The joint owner will also be given the opportunity to help fund the account on behalf of the student/child if so desired.
Super Saver Account
Help your kids learn the rewards of saving with a tried-and-true starter savings account.
- Just $1 to open
- No minimum balance
- Competitive interest rate compounded daily, paid quarterly
Dream Builder & Dream Saver CDs
Help your child save for long-term goals like college, summer camps, travel experiences and more with our specially designed CDs for youths 18 and under.
- Enjoy higher competitive interest rates
- Dream Saver allows you to contribute what you want when it’s most convenient
- Dream Builder allows you to set up monthly automatic contributions
