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Youth Accounts

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Youth Accounts

It's never too soon to start learning money management skills

Kids grow fast, and one important lesson to learn early is how to handle money responsibly. Florida Credit Union's youth savings and checking accounts provide a safe place for earnings from allowances, gifts, and part-time jobs.  And with free online banking access, it's easier for parents/guardians to keep an eye on funds and make transfers for allowance and other needs. 

FCU4U® is Florida Credit Union's online banking hub for teen/young adults, offering access to banking products and resources made just 4 U!


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Child savings coins in a piggy bank

Youth Savings Account Advantages

This growth-focused youth savings account is designed to provide savers 17 and under¹ with a safe, rewarding place to begin their financial journey!

  • Interest paid on balances
  • No monthly fee and $5 minimum balance2
  • Parent can access account via online or mobile banking
  • FCU Account Alerts (text or email notifications) are free3 services to our members 
  • Young members can open specialty savings accounts to save for holidays, spring break, and more
  • Receive a free piggy bank (ages 0–9) when you open an account in any of our branches


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Preteen banking with her mom

Youth Checking Accounts

As your child learns more about money matters, he or she can take advantage of other FCU offerings. Teens 16 and older¹ can open Youth Checking Accounts.

  • No monthly fee
  • No minimum balance requirement
  • Free Visa® debit card with chip technology for security
  • FCU Account Alerts (text or email notifications) are free3 services to our members 
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FCU Mobile App

Account Management is Easy

You can transact or view your account history in various ways:

  • Digital banking
  • ATMs / debit card
  • Mobile check deposit
  • Flora® virtual assistant
  • In branch
  • E-statement
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Online Account Opening

Complete an application online to get started

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Call 800-284-1144

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We have 13 locations in north and central Florida

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Youth Account FAQs

A youth account is a savings account designed to help kids learn about financial concepts, such as earning and saving money.
When your child turns 18 years of age, their account will convert into either a standard checking or savings account. Your teen can then choose to keep you on their account as a joint, or convert the account into an independent account.
There is a $5 minimum balance for a youth account, as it is a share account and represents the share of ownership.
Yes! You can open multiple youth savings accounts for your child.
Florida Credit Union offers teen checking accounts to teens aged 16 and up.
To open a youth checking account, your child must be 16 years or older.

DISCLOSURES


1. Parent or guardian approval required for minors.

2. $5 deposit required to open account online or earn advertised rate. 

3. Text or data rates may apply.