Stearns Bank customer handing over her personal line of credit card to barista

SmartStart Teen Banking

Financial independence starts here

Cha-ching! You're ready to start saving, spending, and learning how to manage your money. SmartStart Teen Banking serves up the tools you need and the easy-to-access app you want. 

If you're a teen that's 13 or older, you can open an account with or without a parent or guardian. 

Identification Policy Agreement: 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 who opens an account.  What this means for you: When you open an account, we will ask for your name, address, 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.