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Start Smart Account

Start Smart Account for Teens

Our Start Smart savings account gives your teen the ability to set a savings goal and continue to learn smart saving habits.

  • Earn 0.25% interest, higher than most savings accounts
  • $5 opening deposit to earn interest
  • Turn loose change into cash using the Coinstar machines at our branches
  • Unlimited deposits
  • Save for a car, college expenses and more

Open an Account

If you are an American First member, you can open a Start Smart account for your teen by visiting any branch or calling us.

Visit a Branch

Youth Savings Rates

As of 08/09/2020

CD Rates
Account Opening Deposit Minimum Balance for APY Dividend Rate APY
Safari Club (Age 12 or Younger) $5 $5 0.25% 0.25%
Start Smart Savings (Ages 13 to 17) $5 $5 0.25% 0.25%
Big Prize Savings

$25

$25

$500

$3,000

0.10%

0.10%

0.10%

0.10%

Regular Savings

$50

$50

$500

$3,000

0.10%

0.10%

0.10%

0.10%

APY = Annual Percentage Yield. Balances under minimum are subject to monthly service fees. Refer to Schedule of Fees & Services for details. 

 

Open a Personal Checking for your Teen

Open a personal checking account with a debit card for your teen to start learning smart saving and spending habits early. Choose Totally Free Checking or a checking account that earns interest.

Discover Totally Free Checking

Learn More
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