Young Americans Bank^®

Take charge of your money.

Welcome

Join the take charge generation!

You have big dreams to take charge of your financial future. And as the only bank in the world just for kids, we want to make it financially possible. Debit cards, savings accounts, building your credit history — it all starts here. We can even fund your business dreams. If you’re thinking, “No way,” we have one thing to say, “Yes way.”

Interested in taking a tour or just want to drop in? Find a bank location near you.

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Open an account

Opening a bank account is as easy as 1, 2, 3.

Step 1:

Choose your account type.

A savings account is perfect for everyone, and a checking account helps you keep your money moving—whether you’re managing expenses, paying bills, or making everyday purchases.

Step 2:

Open an account.

To open a personal account, you can apply online or in person at one of our branch locations. You must apply in person for small business accounts.

Step 3:

Provide us your info.

Here’s what you’ll need: To open an account you’ll need either a social security card or tax ID number, and a valid form of ID, examples are passport or a student ID with portal log-in. Take charge!

Rates + Fees

Join the bank of the take charge generation.

Mobile banking app

You’re always on the go, go, go. Take your bank with you.

Going from school, to work, to the store, to the movies, your life is non stop. With the Young Americans Bank app you can check balances, view transactions, transfer funds between accounts – all virtually. It’s banking when you want, wherever you might be to make life easy peasy. That’s a lot of freedom from an app.

Download the app today:

Debit Cards

Show the world the unique you.

Finally, a debit card with you written all over it. Whether your vibe is being a trailblazer or a money maker, the refreshed Young Americans Bank Debit Card designs now give off the same energy as you.

Online banking

You’re like no other. And so is Young Americans Bank.

Online banking from Young Americans Bank lets you manage your bank accounts, transfer money between accounts, pay your loans and much more through your smart phone or computer. And you can do it securely and safely from home or anywhere in the world! It’s what you expect from a bank for adults, but Young Americans Bank is just for kids.

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The advantages of being the only bank in the world just for kids.

Personal Banking

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Checking Accounts

Become money wise today.

A checking account is a safe place to keep your spending money. Instead of paying with cash, write a check or use a debit card to spend the money in your checking account. Life just got a lot easier. Plus, there’s no monthly service charge and just $10 gets you started.

Savings Accounts

Save for a rainy day, and the sunny ones.

Money in a savings account grows because it earns interest. With a savings account, you can put money in (deposit) or take money out (withdraw).

Debit Cards

A debit card for the things you love in life.

A Young Americans debit card offers the buying power for the things you love such as movie tickets, ice cream or even new sneakers. But you’ll also learn when it’s better to just keep on walkin’ because you know how to make smart financial decisions.

Banking that lets you be you.

The way a credit card works is that you agree to buy something now and pay for it later. A credit card can be used to charge for anything from clothes to concert tickets. It’s a lot of responsibility. But being responsible is part of making smart financial choices.

Watch your money earn money.

A CD is like a savings account, but you have to leave your money in the bank for a certain period of time. That’s a good thing because the longer your money stays in the bank the more money you earn in interest. So, while money doesn’t grow on trees, it does grow in banks.

Earning value. Learning values.

For personal financial responsibilities, our personal loans can get things rolling. It’s a great way to build your business, your credit score, and your financial future. At Young Americans Bank, your forever starts here.

Small Business Banking

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Small Business Accounts

Become money wise today.

Checking accounts are used to buy products/materials and pay for services for your business. But don’t forget to pay the most important thing first. YOU!
Small Business Accounts must be opened in person. Please visit our Locations + Hours page.

Savings Accounts

Save for a rainy day, and the sunny ones.

A savings account helps your money grow by earning interest. For your business, that means you can save for important expenses—like taxes, new equipment, or upgrades—while still having the freedom to access your funds whenever you need them, day or night.
Save for a rainy day, and the sunny ones.

Debit Cards

A debit card for the things you love in life.

Debit cards are good for buying supplies and everyday business needs and can easily help track your spending and make sure you stay within your budget.

Business Loans

Banking that lets you be you.

Have a business idea and don’t know where to start? Need money to start your business? Get started with a loan that you get today and payback over time.

Certificates of Deposits (CDs)

Watch your money earn money.

Put money aside for a set period with a Certificate of Deposit (CD) and watch your savings grow—helping you build capital for future business growth.

The Young Americans Way

“

I have always felt the best way to teach kids about money management is to let them do it – with real money.

”

Bill Daniels, Founder

Join the only bank in the world for kids and open an account today.

Open an account today

Why is Member FDIC important for a bank?

Here’s the scoop. The Federal Deposit Insurance Corporation (FDIC) protects the money you deposit up to $250,000 per depositor. If that sounds reassuring, you also get consumer protection through regulations that help ensure fair banking practices. So, it’s safe to say that this kind of backing gives you the confidence to bank with Young Americans Bank.

Frequently Asked Questions

How old do you have to be to bank at Young Americans Bank?

You can visit Young Americans Bank as young as one day old!

What do I need to open a new bank account?

For Checking Accounts:

Age: 10 years and older
Identification: Valid photo ID (School ID, Government-issued ID, or access to a School Portal)
Tax Information: Social Security Number (SSN) or Tax ID required
Minimum Opening Deposit: $10

For Savings Accounts:

Age: 0 years and older
Identification: One of the following — physical Social Security card, birth certificate, School ID, Government-issued ID, or access to a School Portal
Tax Information: SSN or Tax ID required
Minimum Opening Deposit: $5

Can I open a bank account online?

Yes! Personal checking, savings, and CD accounts can be opened online. However, business checking, savings, and CD accounts must be opened in a branch.