Start a youth account application for your child

Because it's never too early to learn smart money habits!

Patriot Act - Notice Important Information About Procedures for Opening a New Account: To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person (business and individuals) who opens any financial transaction account(s) including deposits, loans and safe deposit boxes.

What this means for you: When you open any financial transaction account, we may ask for your name, address (mailing and physical, if different), date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

Here are a few frequently asked questions:

Just like their parents, kids and teens can use our online and digital channels to conduct transactions on their youth accounts, from anywhere. This includes mobile phones, ATMs and remote check deposit!

A parent or guardian is the joint account holder on our Civic youth accounts. To apply, you’ll need the child’s Social Security number, or a government ID if applicable.

Our Civic youth accounts are designed to help you teach your child smart money habits as they grow. At age 18, we welcome your teen into a full financial life! That’s when the NextGen Savings Account transitions to a Select Savings Account and the NextGen Checking Account transitions to a Civic Bonus Checking Account.

The YoungStar Account, for children ages 0 to 12, does not offer cards. At age 13, YoungStar converts to a NextGen Savings Account for teens 13 to 17, which offers a debit card and limited mobile and online account access to help your child learn to manage money.

You can choose to pair NextGen Savings with a NextGen Checking Account for teens, which also offers a debit card and limited online and mobile account access.