Youth & Young Adult Accounts

First Financial’s accounts for youth offer ideal money management tools to help kids learn how to handle their own finances

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All Youth & Young Adult accounts include:

  • No monthly maintenance fees
  • $1 minimum balance requirement 
  • Free use of phone, online, and mobile banking services

Youth & Young Adult Accounts

Youth Account up to 5 Years of Age

It’s never too early to start saving.

Prepare a young child for financial success by opening a Custodial Account, a perfect place to deposit those birthday and holiday gifts.

  • Administered by an adult for the benefit of a minor
  • Requires funds to be turned over to the beneficiary within six months of their 21st birthday
  • $1 minimum balance requirement
  • No monthly maintenance fee
  • Funds accessed through the ATM or by phone, online, or mobile banking

As a not-for-profit financial institution, we return any profits we make to you in the form of more rewarding products and services. This means you’ll experience incredible value, convenience, and rewards as a First Financial FCU member. Plus, you’ll find we’re dedicated to our community, which means we’re working to make the places where you live and work even better.

Not a member yet? Join Now!

To open a Custodial Account, please visit one of our branches or call us at 410-321-6060 or toll-free at 800-903-3328.

Youth Account 5-12 Years of Age

It’s never too early to encourage positive saving habits.

A First Financial Kids Club Savings Account gets young savers involved and on the path to financial freedom.

  • Perfect for ages 5 and up
  • Must have joint owner on account
  • Teaches your child how savings grow with each deposit
  • $1 minimum balance requirement
  • No monthly maintenance fee
  • Free Visa® debit card
  • Funds accessed through the ATM or by phone, online, or mobile banking

Discover real-life scenarios to help kids aged 8 to 12 make smart financial decisions. Banzai Junior guides young learners through the experience of running a summer lemonade stand with the goal of a new bike. Along the way, they learn essential financial concepts such as interest and fees, envelope budgeting and discretionary income. 

Ready to get started? Banzai Junior

As a not-for-profit financial institution, we return any profits we make to you in the form of more rewarding products and services. This means you’ll experience incredible value, convenience, and rewards as a First Financial FCU member. Plus, you’ll find we’re dedicated to our community, which means we’re working to make the places where you live and work even better.

Not a member yet? Join Now!

Open an Account  – Youth Account up to 5

Young Adult Account 13-17 Years of Age

Take your account with you to college or into the real world.

Learn the ropes of saving and spending while in high school. One of First Financial’s initiatives is financial wellness for all our members, especially young adults. When you learn how to manage your money early, you’ll be prepared to make sound financial decisions in the future.

  • Accounts for young adults, age 13 and older
  • Joint ownership with parents or guardian
  • $1 minimum balance requirement
  • No monthly maintenance fee
  • Free Visa® debit card
  • Funds accessed through the ATM or by phone, online, or mobile banking

First Financial checking accounts are available for young adults age 13-17. Through age 15, there must be an adult joint owner on the account.

Learn more about First Financial’s checking accounts.

Work through real-life scenarios to help users aged 13 to 18 to save enough money for college registration. Along the way, users will navigate daily decisions like getting a job, going out to eat and renting an apartment.

Ready to get started? Banzai Teen

Designed for users 16 and up, Banzai Plus helps navigate adult-sized obstacles and learn about concepts from paying off debt to credit scores. With real-life dilemmas, exciting challenges, and the goal of purchasing a home, Banzai Plus makes complicated financial concepts easy to understand.

Ready to get started? Banzai Plus

As a not-for-profit financial institution, we return any profits we make to you in the form of more rewarding products and services. This means you’ll experience incredible value, convenience, and rewards as a First Financial FCU member. Plus, you’ll find we’re dedicated to our community, which means we’re working to make the places where you live and work even better.

Not a member yet? Join Now!

Open an Account  – Youth Account up to 5

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You’re in control of your accounts and finances with our user-friendly online banking service.
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