Youth Accounts

Young lady holding onto grad cap

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!

Child savings coins in a piggy bank

Youth Savings Account Advantages

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

  • Interest paid on balances
  • No monthly fee and $5 minimum balance¹
  • Parent can access account via online or mobile banking
  • FCU Account Alerts (text or email notifications) are free² 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

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 older³ 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 free² services to our members 
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

Get Started Today

Online Account Opening

Complete an application online to get started

Open Now
Call 800-284-1144

Get connected with a FCU service representative

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Visit Us!

We have 12 locations in north and central Florida

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Open video in a modal Father and son banking online together

FCU FAM® Online Banking Tool⁴

Help kids get a financial head start

As part of FCU Anywhere online and mobile banking, FCU FAM® lets parents quickly and conveniently transfer money into youth accounts, whether it’s for a weekly allowance or a reward for straight A's.

  • Transfer money to youth accounts
  • Manage allowances
  • Reward for chores and good grades
  • Loan children money with interest and payment plans
  • Set parental controls on debit cards

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.


1. $5 deposit required to open account online or earn advertised rate. No minimum balance required to keep account active.

2. Text or data rates may apply.

3. Parent or guardian approval required for minors.

4. Florida Credit Union protects the information privacy of our younger members. We do not knowingly collect, maintain, or use personal information about children under age 13 from our website. If a person sends personal information to us through any online service and identifies himself or herself as being under the age of 13, we will only use that information to respond directly to that child or to notify the parents. We will not retain such information unless we obtain parental consent.

For more information about the FCU FAM® Agreement and associated policies please click here:
FCU FAM® Terms and Conditions


FCU FAM® Privacy Notice