Start saving early and the sky's the limit!
Account options for youth and students 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 Saver | 0-12 | at $500 | 
| $5 | 
|
|
Galaxy | 0-18 | at $1,000 |
| $5 |
|
|
Youth Certificate | 0-172 |
|
| $500 |
|
|
Free Student Checking3 | 0-26 |
|
| $0 |
|
|
$10 Amazon Gift Card delivered as a code via email.4
To obtain a Free Student Checking account, children 12 and younger must open a Galaxy Savings account. 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 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.
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 & 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 15 & Older: Bringing one of the below is optional but preferred:
- Driving learner’s permit.
- Military ID.
- Passport.
- Other government issued photo ID.
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
Earn more with a higher rate
We want your kids to have fun learning about the many ways they can build their savings. That’s why we designed our Youth Certificate to give them a higher rate and a shorter term.
Free Student Checking
Great features, just for students
Free Student Checking lets kids 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
Scholarship Search? Let Us Help
Continuing your education after high school is both exciting and maybe a little scary. Especially when it comes to paying for college. Check out our resources page to search for scholarships and find tips about student loans.
Invest
Take 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. And it’s easy! Learn more about IRAs and other ways to invest on our investments page.
Financial Education
Learn it, live it!
Being money smart is important at 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 are available for members under 18 years of age.
A Youth Savings account 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.