Youth Accounts

Explorer Savings

• Available for children ages 8 to 17
• Interest bearing account (check out our current interest rates here)
• $10 minimum opening deposit required
• No minimum balance requirement
• No monthly service charge
• Mobile and online banking available
• Excessive withdrawal fee applies: $10 for each limited transaction in excess of 6 per calendar month
• Once the minor turns 18, the account will convert to a Green Savings account*
• Eligible to participate in Explorer Rewards: receive 1 stamp for each deposit made of $5 or more into the account, not to exceed more than 1 stamp each day. Once all 10 stamps are collected, the minor will earn a $5 account bonus!**

Expedition Checking

• Available for children ages 8 to 17
• Non-interest bearing account
• $10 minimum opening deposit required
• No minimum balance requirement
• No monthly service charge
• Unlimited deposits, withdrawals, check writing and transfers (subject to available balance)
• Reduced overdraft fee applies; plus, if overdrawn $10 or less, the overdraft fee will be waived (continued overdraft fee applies if account is not brought to a positive balance within 3 business days)
• Once the child turns 18, the account will convert to a Freedom Checking account*

Youth Account Comparison

Primary account holder is the minor. Account must be owned jointly with an adult parent, grandparent or legal guardian. Fees for other services may be assessed. See consumer fee schedule and rate sheet for additional information.

*Freedom Account and Green Savings accounts are subject to different terms and conditions. 

**$5 bonus is considered interest and is subject to IRS and other tax reporting. Bonus provided within 5 days of completion of Tracker Map. Once minor has completed a Tracker Map, they may start another for an additional bonus reward.