Start saving early and the sky’s the limit — with kids’ savings accounts!
Youth accounts, from elementary school through college
It’s never too early to open a savings account for your child. Our accounts give you opportunities to save for their future and teach them the benefits of good money habits. Check out your great options below.
Age |
Recognition gift |
Visa debit card |
Minimum balance |
Earns dividends |
Zero Ent ATM Fees1 |
|
|---|---|---|---|---|---|---|
Youth savings Star Savers® | 0-12 | at $500 | 
| $5 | 
|
|
Galaxy™ | 0-18 | at $1,000 |
| $5 |
|
|
Youth certificate of deposit | 0-172 |
|
| $500 |
|
|
Free student checking3 | 0-26 |
|
| $0 |
|
|
$10 Amazon gift card delivered as a code via email.4
To open a free student checking account for children 12 and younger, you must first open a Galaxy Savings account for them. The Galaxy Savings account recognition gift is awarded at a $1,000 balance.3
Dreams start with youth accounts
Whether you’re a parent, grandparent or a guardian, you can open a youth checking account for someone special. Just bring in the required identification, per the chart below, to any service center.
Up to age 14:
Child does not have to be present
Adult’s identification: Two valid IDs: One must be a government-issued photo ID. If you’re a guardian, you must also bring legal proof of guardianship.
Child's identification: A valid SSN/ITIN for the child is required. This includes social security number (SSN), tax identification number (TIN), or Canadian social insurance number (CSIN).
Also bring one of the below:
- Adult’s health insurance card listing the child
- Adult’s most recent tax return listing the child
- Child’s state-issued ID
- Child’s birth certificate
- Child’s Social Security card
15 and older:
Youth’s presence is preferred
Adult’s identification: Two valid IDs: One must be a government-issued photo ID. If you’re a guardian, you must also bring legal proof of guardianship.
Youth identification: A valid SSN/ITIN for the child is required. This includes social security number (SSN), tax identification number (TIN), or Canadian social insurance number (CSIN).
Also bring one* of the below:
- Driving learner’s permit
- Military ID
- Passport
- Other government-issued photo ID
*If you don’t have one of the options above, you can bring one of the items listed under ‟Up to age 14.”
Youth savings
Flexible savings for kids under 18
Teach kids the benefits of saving with our youth accounts. They’ll watch their money grow and earn an Amazon gift card when they reach set savings goals.
Youth certificate of deposit
Earn more with a higher rate
Let your kids learn about the many ways they can build their savings. Our youth certificate of deposit will give them a higher rate with a shorter term.
Free student checking
Great features, just for students
With free student checking, kids get to enjoy the benefits of a free account while learning how to manage a debit card.
Studying or working at UCCS? Get exclusive benefits with UCCS LionOne Checking. Learn More
Planning ahead
Student resources
Let us help with your scholarship search
Continuing your education after high school can be both exciting and a little scary — especially when it comes to paying for it. See our resources page to search for scholarships and get tips on student loans.
Invest
Take your saving to the next level
Retirement may seem like an eternity away, but the earlier you start saving, the more you’ll have to enjoy in your later years. Learn more about IRAs and other ways to invest on our investments page.
Financial education
Learn it, live it!
Being money-smart is important in every stage of life. Want to raise money-smart kids? Want to boost your credit score? Need tips on inspecting a used car? Our financial education center is ready to help.
Account qualifications apply. Please review Ent's Important Account Information and Fee Schedule for more information. The Money Market Savings is a tiered rate account. The minimum actual balance required to open a Money Market Savings account is $2,500.
Transactions at ATMs not owned by Ent or in a partnership with the CO-OP Network may incur fees per transaction. See Ent’s fee schedule.
Youth Certificates of Deposit are available for members under 18 years of age.
A Youth Savings account with a minimum $5 deposit is required to open a Free Student Checking account. Under age 18 requires a joint owner: a parent, grandparent or legal guardian. To open a Free Student Checking account for children 12 and younger, a Galaxy Savings account is required. Galaxy account owners receive a recognition gift at a $1,000 balance.
Youth savings recognition gift may be changed at Ent’s sole discretion.