Youth Spending Account

"Checks are almost a thing of the past, I need an updated checking account to help my child take their first step toward financial independence."
Apply for Smart Spending
  • Separate debit cards for both teen and adult joint owner
  • No monthly fees or minimum balance requirements
  • Mobile deposit

Smart money management starts now.

Smart Spending account (ages 13-25)

The Smart Spending account bridges the gap between learning about money and actively managing it. Whether you're making your first purchase or planning your college expenses, our youth spending account grows with you while providing the security and guidance you need.

  • No minimum balance requirements or monthly service fees
  • Unlimited free non-Clearview, in-network ATM transactions at over 80,000+ fee-free ATMs nationwide
  • 4 free non-Clearview, out-of-network ATM transactions per month (you will see a charge and then a rebate on your account)
  • Access modern digital tools, including Goal Builder to help you track and achieve your savings goals
  • Age-appropriate limits on mobile deposits and Zelle® access
  • Access to Zogo financial education app
  • Option to remove joint account holder at age 18