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Youth Accounts

Money skills start here.

Money skills start here.

Learning how to manage money takes practice. Firelands FCU gives kids and teens age-appropriate ways to start saving and build confidence with money.

From a first savings account to checking, debit cards and more, we’ll help you find an option that fits your child now — with more opportunities as they grow.

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Banking for every stage

Kids Saving Club

Up to age 12

Help younger kids see what saving can do. Kids Saving Club gives them a place to make deposits, work toward a goal, and watch their savings grow.

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    $5 to open
  • Earn dividends on balances of $100 or more
  • No monthly service fee or minimum balance
  • Treasure Chest gift with deposits
  • Special certificate rates
  • Digital banking access
  • Access to surcharge-free ATMs and Shared Branching

Smart Start Teen Club

Ages 13–17

As teens start earning and making more of their own money decisions, Smart Start gives them a savings account designed for this next stage.

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    $5 to open
  • Earn dividends on balances of $100 or more
  • No monthly service fee or minimum balance
  • Special certificate rates
  • Digital banking access

Youth Checking

Ages 13+

Youth Checking gives teens hands-on experience managing money — from keeping track of purchases to using a debit card and seeing where their money goes.

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    No monthly service fee
  • No minimum balance
  • Digital banking access
  • Visa® debit/ATM card available for eligible teens

Want a more hands-on way to learn?

Meet FamZoo.

FamZoo gives kids and teens their own prepaid debit card and connects them with parents through an app designed to help families practice money management together.

Families can use FamZoo to:

  • Send and request money
  • Assign chores and track when they’re completed
  • Set up allowances and other ways to earn money
  • Create savings goals
  • See balances and activity
  • Explore financial education together

FamZoo is available through Firelands FCU for $1.99 per account, per month.

Sign up for FamZoo
FamZoo Logo

More options as they grow

As kids and teens become more comfortable managing money, Firelands FCU offers additional ways to practice saving, spending, and learning about credit.

Youth Certificates

For money your child can leave in savings for a set amount of time, Youth Certificates offer another way to see how saving can grow.

  • 12- and 24-month terms available
  • $100 minimum to open
  • Special youth rates

Visa Debit/ATM Card

Eligible teens can use a Firelands FCU Visa debit/ATM card with Youth Checking for purchases and ATM access while learning to keep track of their spending.

Ages 13–15: $200 daily limit
Ages 16–17: $300 daily limit

Smart Start Teen Club Loan

For eligible teens, the Smart Start Teen Club Loan offers an introduction to borrowing, making payments and handling a financial commitment.

A qualified person over the age of 18 is required as a co-signer.

Visa Credit Card

Eligible teens may also have the opportunity to begin learning how credit works through a small Firelands FCU Visa credit card with a qualified person over the age of 18 as a co-signer.

Learning about money goes beyond the account.

Build money skills with Zogo

Members get free access to Zogo, a financial-literacy app that makes learning about money more engaging through bite-sized lessons and rewards.

Learn More About Zogo

Everyday money moments can teach a lot.

You don’t need a formal lesson plan to help your child build good habits. Real-life decisions give them chances to learn along the way.

Give saving a goal.

Help them choose something they want to save for and track their progress.

Talk through spending decisions.

Learning when to spend — and when to wait — can be just as valuable as learning to save.

Add responsibility over time.

A savings account may be the first step. Checking, debit cards, borrowing and credit can come later as they’re ready.

Keep the conversation open.

Questions and mistakes are part of learning. Having someone they can talk to can make early money decisions easier to navigate.

Ready to take the next step with youth banking?

Whether you’re ready to open an account or still exploring options, our team can help. Complete the form, and a Firelands team member will contact you to help schedule an appointment.

Get Started

Frequently Asked Questions

What age can my child open a youth account?
Kids Saving Club is available for children up to age 12. Smart Start Teen Club is designed for ages 13–17, and Youth Checking is available starting at age 13.
Does an adult need to be on a youth account?
Yes. Someone over age 18 must be a joint owner on the youth account. That person does not need to already be a Firelands FCU member.
Can my teenager get a debit card?
Yes. Eligible teens can get a Firelands FCU Visa debit/ATM card. Current daily limits are $200 for ages 13–15 and $300 for ages 16–17.
What’s the difference between FamZoo and Youth Checking?
FamZoo gives families a more hands-on way to practice money management together, with a prepaid debit card and app tools for chores, allowances, savings goals and parent oversight. Youth Checking is a checking account for teens age 13 and older who are ready to begin managing everyday spending with a Firelands FCU debit card.
How do we get started?
Complete the Youth Banking form to let us know you’re interested. A member of the Firelands FCU team will follow up to help with next steps and opening the account.

Get Started

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