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Youth Savings

Growing Smart Money Habits for Every Stage

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Youth Accounts (Ages 0-17)

Building strong financial habits starts early. Our Youth Accounts are designed to help children and teens learn how to save, spend, and manage money with confidence — with guidance from a parent or guardian along the way.

🏛️ Youth Account Savings Basics

  • Minimum Opening Deposit of $5.00
  • Minimum Balance of $5.00
  • Minimum Balance to earn dividends is $5.00
  • No Monthly Fees
  • Quarterly Statements
  • Rate Rewards: After account balance reaches $500, $1,000, and $1,500*
  • Earns Dividend Rates: Refer to current rates

☝️ At age 18, the account automatically transitions to a Young Adult Savings.

💻 Digital Access

  • Access to Online & Mobile Banking 24/7
  • Access to eStatements


📚 Financial Education


The child must be eligible for membership at Foothill Federal Credit Union. Youth between ages 8 though 17 years  are required to be present with the parent at the time of opening the Youth Account. A parent or guardian must be a joint owner on the account with the child and provide the proof of identity for the child such as birth certificate, school ID, school records, or social security number.

* Add an additional 0.05% rate bonus when balances reach $500, $1,000, and $1,500.

Youth Checking Accounts

🏛️ Junior Checking (Ages 8-12)

Our Junior Checking Account is designed to introduce children (ages 8-12) to the power of saving and the importance of building smart financial habits early on. Through hands-on experience and guided support, young members begin to understand how money grows and how thoughtful decisions can shape their future.

☝️ At age 13, the account automatically transitions to Teen Checking.

🏛️ Teen Checking (Ages 13-17)

Our Teen Checking account gives teens (ages 13-17) hands-on experience managing their own money while building smart financial habits. They’ll learn how to use a checking account responsibly, track spending, and understand how everyday banking works as they gain more independence.

☝️ At age 18, the account automatically transitions to Protection Plus Checking. 

 

➕ What You Get With Youth Checking

🏛️ Youth Checking Basics

  • Minimum Opening Deposit is $0
  • Minimum Balance is $0
  • No Monthly Fees
  • Monthly Statements
  • Courtesy Pay is Not available
  • Zelle® Available at Age 16

💳 Debit Card & Controls

  • Parent-authorized Debit Card
  • Daily Debit Card Limit:
    • Ages 8-12 - $100
    • Ages 13-17 - $300
  • Parental Card Controls Include:
    • Spending and transaction limits
    • Real-time alerts
    • Ability to turn cards on or off

💻 Digital Access

  • Access to Online & Mobile Banking 24/7
  • Access to eStatements
  • Card Management is Available through Digital Banking Additional Features
 

📚 Financial Education

💡 What You Need to Know About Opening a Youth Account

  • Children between ages 0 - 7 do not need to be present for account opening. Children ages 8 - 17 will need to be present.
  • Children not in school will need to show their Birth Certificate.
  • If child is in school, valid forms of verification include:
    • School ID
    • School Registration
    • CA ID or Drivers License
    • US Passport
  • If you do not know your child's Social Security Number, be sure to bring the social security card with you.
  • A parent or guardian must be a joint owner on the account with the child.

🏦 Ready to Open a Youth Account?

Please note that children age 7 and below do not need to be present for a parent or guardian to open a youth account. On the other hand, youth between the of ages 8 - 17 will need to be present along with the parents when opening the account.
 
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GENERAL DISCLOSURE
Membership required with a regular share account with $5 minimum balance. Minimum balance to earn .05% Annual Percentage Yield (APY) dividends is $5. Variable rate subject to change at any time. Subject to change or end without notice. Other restrictions may apply.

Teach Your Kids How to Save, Earn, and Borrow Responsibly.

With Earn It!, parents can help their kids gain practical experience and learn to make smart financial decisions while saving, spending, earning, budgeting, and even paying off a loan!

Earn It! connects a Foothill Youth Savings Accounts to a parent's account, making it super easy to keep track of everything. The best part? This is a FREE service designed to help parents teach their kids the basics of money management all within our digital banking platforms.

Learn More

Helpful Resources

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It's A Money Thing

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It's a Money Thing

Foothill Credit Union is a full-service credit union with California branches in Arcadia, Covina, Glendora, and Upland.