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USAA Federal Savings Bank FDIC-Insured - Backed by the full faith and credit of the U.S. Government

Youth bank accounts

Give them a head start in their financial journey with our youth checking and savings accounts.

 

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Accounts to help teach the basics

For as little as $25, parents who are USAA members can open a youth account for their child. Not a member? Join USAA.

USAA Youth Spending

Help your teen build good money habits while you keep an eye on their spending.

Apply now  for a Youth Spending account

Learn more  about a Youth Spending account

USAA Youth Savings

Teach them how to reach their budget goals safely and securely.

Apply now for a Youth Savings account

Learn more a Youth Savings account

card-pack-authored-content-1

Accounts to help teach the basics

For as little as $25, parents who are USAA members can open a youth account for their child.

USAA Youth Spending

Help your teen build good money habits while you keep an eye on their spending.

Apply now  for a Youth Spending account

Learn more about a Youth Spending account

USAA Youth Savings

Teach them how to reach their budget goals safely and securely.

Apply now for a Youth Savings account

Learn more  a Youth Savings account

Help your child start their financial journey strong.

Find out how our youth banking options help you stay in the loop while letting your kids grow their financial skills.

Start strong with a youth banking account

Video Duration: 1 minute 7 seconds

The importance of building smart habits early: Elapsed time 0 seconds [00:00]

It’s smart to build good financial habits early in life. That’s why USAA Bank offers youth banking accounts to allow you to jumpstart your child or dependent’s financial journey.

They can learn about saving money, creating and sticking to a budget, and accessing their money using an ATM or debit card.

Why our accounts are unique: Elapsed time 0 minutes 20 seconds [0:20]

While most banks limit youth accounts for children under the age of 13, USAA Bank doesn’t have any minimum age requirements to open youth accounts. Kids who are 13 or older can use online banking services like mobile deposits and transfers.

Your benefits as a joint account owner: Elapsed time 0 minutes 36 seconds [0:36]

As a parent and joint account owner, you’re able to monitor and access the account. You can also permit and restrict certain activities with parental controls.

Once your teen gets their first job, they have the option to deposit their paycheck directly into their account and get paid up to two days early — a benefit that many of our adult USAA Bank account owners also enjoy.

So, whenever the time feels right to start your child’s financial journey, know that USAA Bank is here to help you get started.

Description of visual information:[Early access to direct deposit funds is subject to when USAA Federal Savings Bank receives notice of payment from the payer, which is generally one to two business days before the scheduled payment date. Early access to direct deposit funds is not guaranteed, may be stopped at any time, and may vary between pay periods.

“USAA Bank” means USAA Federal Savings Bank.

Deposit product and services offered by USAA Federal Savings Bank, Member FDIC.]End of description

End: Elapsed time 1 minutes 7 seconds [1:07]

Features and benefits for your peace of mind

Our youth accounts help you guide your child and keep their money safe.

No monthly service fee

Teaching financial responsibility shouldn’t come at a cost. Open an account and get a debit card without paying a service fee.

Parental controls

Check balances, set up alerts, make deposits and more. When your child turns 13, you choose which account services they can use on usaa.com and the USAA Mobile App.

Easy ways to add money

Send money to their account with direct deposit or Deposit@Mobile®.‍ ‍

Flexibility after they turn 18

Once they’re an adult, you can remove yourself from their account. Or, you can continue as a joint account holder and help them manage their money.

Quicker access to their money with Early Payday

Getting their first job is an important step to becoming an adult.

Help your teen get paid up to two days sooner when you set up their youth account with direct deposit.‍ ‍

Ways a youth account can help their future

Giving your kid control over their finances from an early age can help them learn how to:

  • Access their money using an ATM or debit card.‍ ‍
  • Save money for bigger purchases.
  • Create and stick to a budget.
  • Use online banking services like mobile deposits and transfers when they turn 13.

Why choose USAA Federal Savings Bank?

Having an account with us means feeling safe. We're committed to helping protect your money and your valuable personal information.

Secure logon options

Strengthen your digital banking security with enhanced logon methods like biometrics or multifactor authentication (MFA).

24/7 fraud monitoring

If we see any unusual activity on your accounts, we’ll email or text you with a security alert.‍ ‍

FDIC insured

Money you keep in your checking, savings and other deposit accounts is automatically insured up to Federal Deposit Insurance Corporation, or FDIC, limits.

To learn more, visit FDIC’s Deposit Insurance FAQ page Opens in a New Window.

Related footnotes:

  1. Parent/guardian must qualify for USAA's Deposit@Mobile®. Eligibility for USAA Deposit@Mobile® will be based on your account history with USAA Federal Savings Bank. Deposits may not be available for immediate withdrawal. USAA's Deposit@Mobile® and related Deposit@Home® includes innovative features that are protected by multiple patents issued by the United States Patent and Trademark Office. A listing of issued Patents, intending to serve as notice under 35 U.S.C. § 287(a), may be found at United States Patents.

  2. Early access to direct deposit funds is subject to when USAA Federal Savings Bank receives notice of payment from the payer, which is generally one to two business days before the scheduled payment date. Early access to direct deposit funds is not guaranteed, may be stopped at any time, and may vary between pay periods.

  3. When you use a non-USAA Bank ATM outside of our preferred network, you may incur surcharge, usage, or other fees charged by the ATM operator or network. We refund up to $10 per monthly statement cycle in non-USAA Bank ATM surcharge or usage fees for transactions made at non-USAA Bank ATMs. 1% Foreign Transactions Fee may apply. See the Account and Service Fee Schedule for details.

  4. Message and data rates may apply.

Related footnotes:

  1. Use of the term "member" or "membership" refers to membership in USAA Membership Services and does not convey any legal or ownership rights in USAA. Restrictions apply and are subject to change. To join USAA, separated military personnel must have received a discharge type of Honorable or General Under Honorable Conditions. Eligible family members may also join USAA.

  2. "USAA Bank" means USAA Federal Savings Bank.

  3. Deposit products and services offered by USAA Federal Savings Bank, Member FDIC. 

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