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

Start summer strong with youth bank accounts.

Help your child turn their summer job into smart money moves with our youth checking and savings accounts.

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®.‍ ‍ See note 1

Flexibility after they turn 18

Once they’re an adult, you can remove yourself from their account. Or become 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.‍ ‍ See note 2 

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.‍ ‍ See note 3
  • 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.‍ ‍ See note 4

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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