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    SmartStart Banking

    Begin a successful financial journey with SmartStart banking for kids & teens. Build real-life, hands-on money skills using digital checking and savings accounts, plus certificates of deposit you can add to over time. 

    Make smart moves

    A bright financial future starts today. SmartStart accounts help kids and teens practice responsible saving and spending.  

    These interest-earning and non-interest-earning accounts come with educational tools that will help pave the way to long-term success. 

    Teens 13 or older do not require a parent or guardian to open an account. 

    Get Started
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    SmartStart savings accounts are interest-bearing and feature:

    • No opening balance requirement 
    • No hidden fees
    • No maintenance fees
    • No minimum balance
    • StearnsConnect online and mobile banking - free with account

    Interest Rates

    • 1.00% APY* if balance is $99,999.99 or less. A balance of $0.01 is needed to earn the APY
    • 2.02% APY* if balance is $100,000 to $499,999.99
    • 3.20% APY* if balance is $500,000 or more
    * APY is annual percentage yield. Rates are accurate as of 01/08/2024 and subject to change at any time, including after account opening. Fees may reduce earnings.
     Get Started

    SmartStart checking accounts are interest-bearing, deliver cash rewards on debit card spending, plus they feature:

    • No opening balance requirement 
    • No hidden fees
    • No maintenance fees
    • No minimum balance
    • StearnsConnect online and mobile banking - free with account
    • Nationwide fee-free ATM network

    Interest Rates:

    • 0.20% APY* if balance is $14,999.99 or less. A balance of .01 is needed to earn the APY.
    • 0.40% APY* if balance is $15,000.00 or more

    Cash Rewards: 

    • 0.10% cash rewards on EVERY debit card purchase, deposited to the account monthly**

    * APY is annual percentage yield. Rates are accurate as of 01/08/2024 and subject to change at any time, including after account opening. Fees may reduce earnings.

    ** Earn up to $150 per month. Pending and preauthorized debit card transactions do not earn cash rewards until the final transaction posts to the account. Cash rewards rate effective 01/08/2024.

    Get Started

    If earning interest doesn't align with your values or beliefs, a SmartStart Simple checking account is the perfect tool to take care of your money. 

    Special Features

    • Non-interest bearing
    • Cash rewards on debit card spending
    • No opening balance requirement 
    • No hidden fees
    • No maintenance fees
    • No minimum balance
    • StearnsConnect online and mobile banking - free with account
    • Nationwide fee-free ATM network

    Cash Rewards: 

    • 0.10% cash rewards on EVERY debit card purchase, deposited to the account monthly*

    *Earn up to $150 per month. Pending and preauthorized debit card transactions do not earn cash rewards until the final transaction posts to the account. Cash rewards rate effective 01/08/2024.

    Get Started

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    Save for the long haul

    Certificates of Deposit (a.k.a. CDs) typically offer a higher interest rate than a savings account, which means placing money in them and leaving it there for a while helps you even more. 

    Added benefit alert: With SmartStart CDs, kids and teens have the option to continually add money to the account over time.  

     

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    You've Got This

    The tools needed to managing money responsibly are here.

    Your debit card

    Checking accounts include a debit card to help create independent, responsible spending habits while earning cash back.

    In-the-know

    See account balances and set custom alerts in the app - so you always know what's up with your money.
     

    Direct deposit

    First job? Skip physical paychecks and link earnings from employers to SmartStart accounts.

    Mobile payments

    Debit cards can be linked to Apple Pay or Google Pay to make digital purchases simple.

    Stack up the bling

    The more you save now, the more you have for what's ahead. Some accounts help you earn interest on the money you don't spend.

    Earn gift cards

    Earn gift cards for learning about money with the Zogo app. Spoiler alert: it's actually fun!

    It's all on the app

    Banking happens everywhere with the StearnsConnect app. Whether you're at home, in between classes, or hanging out with friends, take care of finances right from your phone, securely.  

    • Deposit checks from your phone
    • Connect ApplePay and Google Pay
    • Check your account balance
    • Set alerts for account activity

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    Learn as you go

    Money management takes time. SmartStart serves up the skills you may not have yet, right in your StearnsConnect app.

    Have fun learning how to create a budget, spend responsibly, protect yourself from fraud, build your credit and more. 

    Learn More
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