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Earn a $100 bonus toward their goals with a youth checking account.

Getting started is simple. Open their first USAA Youth Spending Account, order a debit card and help them make 5 qualifying purchases to earn a cash bonus.  Read full terms and conditions.‍ ‍

Offer only available on their first eligible account. Apply between July 15, 2026, and Oct. 16, 2026.

Apply now for a Youth Spending account

Not a member? Join USAA

Earn a $100 bonus toward their goals with a youth checking account.

Getting started is simple. Open their first USAA Youth Spending Account, order a debit card and help them make 5 qualifying purchases to earn a cash bonus.  Read full terms and conditions.‍ ‍

Offer only available on their first eligible account. Apply between July 15, 2026, and Oct. 16, 2026.

Apply now for a Youth Spending account

What a USAA Youth Spending account offers

It can help you teach your kid or teen how to spend their money and balance a budget — all in a secure environment.

Parents who are USAA members can open an account for their child with as little as $25.

No monthly service fee

Teaching financial responsibility shouldn't come at a cost.

Debit card and ATM access

Kids can make purchases, add money to their debit card and digital wallet, and access more than 100,000 preferred AutomatedTellerMachines.‍ ‍ See note 1

No overdraft fees

Your child can't spend more than they have in their account. So you never have to worry about them racking up overdraft fees.

Account features to help keep them on track

Parental controls

Check their account balance, set limits and transfer money.

Account alerts

Get notified if the account has a low balance or your child makes a large withdrawal.‍ ‍ See note 2

Limits for online services

When your child turns 13, choose which account services they can use on usaa.com and the USAA Mobile App.‍ ‍ See note 3

Easy ways to add money

Whether you're at home or on the go, you can easily add money to your child's USAA Youth Spending account.

  • Transfer money directly.
  • Set up direct deposit.
  • Use the Deposit@Mobile® feature of the USAA Mobile App.‍ ‍ See note 4
  • Try other deposit options.

How to get started

Steps to complete How to get started

  1. Log on

    If you're not a USAA member, check to see if you can join.

  2. Apply

    As the parent or legal guardian, you'll need the full name, address, date of birth and other identifying info for each person.

  3. Add money

    Make a deposit of at least $25 using a debit card, credit card, checking account or savings account.

Apply now for a Youth Spending account

Not a member? Join USAA

How to get started

Steps to complete How to get started

  1. Log on

    If you're not a USAA member, check to see if you can join.

  2. Apply

    As the parent or legal guardian, you'll need the full name, address, date of birth and other identifying info for each person.

  3. Add money

    Make a deposit of at least $25 using a debit card, credit card, checking account or savings account.

Apply now for a Youth Spending account

Pair their checking account with a youth savings account.

While your child learns good spending habits, they could also be putting away money for the future.

Using both accounts can help your child manage money and create an emergency fund.

Learn about youth savings

Rates for USAA Youth Spending

Rates for USAA Youth Spending

Daily ledger balance

$1,000 or more

Annual percentage yield (APY)

§%

Rates for USAA Youth Spending

Rates for USAA Youth Spending
Daily ledger balance Annual percentage yield (APY)

$1,000 or more

§%
Rates for USAA Youth Spending
Daily ledger balance

$1,000 or more
Annual percentage yield (APY)

§%

Minimum deposit to open is $25. Rates are current as of §. Rates are subject to change. Fees may reduce earnings. View accounts terms and fees Opens in a new window.

Youth checking account FAQ

This account is for kids younger than 18. To open it for them, you have to be their parent or legal guardian.

From your USAA profile, you can block the card. When your child finds their misplaced card, you can then unblock it.

If they can't find their card, you can report it online as lost or stolen.

If there are unauthorized charges, the adult who's on the account needs to call us at 210-531-USAA (8722). You won't be responsible for unauthorized debit card charges that you report to us.‍ ‍ See note 5

Once they’re an adult, we'll need to verify their identity to keep the account open. You can remove yourself from their account or you can continue as a joint account holder and help them manage their money.

Banking resources for families

Protecting your child from identity theft

Article: 5 minutes

Read article: Protecting your child from identity theft

Debit card vs. credit card for kids and teens

Article: 7 minutes

Read article: Debit card vs. credit card for kids and teens

Budgeting tips for teens' first jobs

Article: 6 minutes

Read article: Budgeting tips for teens' first jobs

Build their financial skills with a USAA Youth Spending account.

Help your child learn how to handle money responsibly.

Apply now for a Youth Spending account

Not a member? Join USAA

Build their financial skills with a USAA Youth Spending account.

Help your child learn how to handle money responsibly.

Apply now for a Youth Spending account

Related footnotes:

  1. 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.

  2. Message and data rates may apply.

  3. Account access restrictions may apply to mobile/web access in certain countries.

  4. 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.

  5. You are not liable for unauthorized use of a debit card that you report to us. "Unauthorized use" means the use of a debit card by someone other than you without actual authority to use the debit card and from which you receive no benefit. It does not include use of a debit card (1) by a person who was furnished the debit card by you unless you notified us that transfers by that person are no longer authorized or (2) with fraudulent intent by you or any person acting in concert with you.

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. The Contactless Indicator mark, consisting of four graduating arcs, is a trademark owned by and used with permission of EMVCo, LLC.

  3. Visa is a registered trademark of Visa International Service Association and used under license.

  4. "USAA Bank" means USAA Federal Savings Bank.

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

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