Kids’ and Young Adult Accounts

 youth program savings

Set Your Child Up for Financial Success with Accounts for Kids

Start a foundation of financial responsibility and knowledge with The Summit’s programs designed just for kids, teens and young adults. They’ll learn everything they need to start their financial journeys. And with Online and Mobile Banking, you can check their balances, transfer funds and set account alerts.

Open a Youth Account

Saving Accounts for Kids (Ages 5-17)

Helping Young Members Save

Our youth program savings accounts are an ideal place to establish and maintain good money habits.

safari club jr.

Safari Club Jr., Ages 5-8

Everything from making change to what to do with that birthday money! Young children learn money concepts and the value of saving with a Safari Club Jr. account just for them. These accounts come with our age-appropriate Safari Club Jr. Newsletter full of fun activities for young children and tips for parents on how to help kids learn important money basics.

safari club

Safari Club, Ages 9-12

Whether they’re managing an allowance, budgeting small purchases or trying to save up for something special,  older kids can learn more advanced money concepts with a Safari Club savings account. For this age group, the Safari Club Newsletter introduces financial responsibility in a fun way, while parents get tips on how to reinforce what kids learn.

forward bound

Forward Bound, Ages 13-17

For teens and students with an allowance, earning their own money or just trying to, the Reaching My Summit area on The Summit’s website is for them. It’s full of interesting tips about a wide range of subjects–from  scams to watch out for to saving for college.


Kids’ Account Rewards

Members up to age 12 use their Safari Club Card to earn prizes chosen on the prize order form.

We will begin giving out the prizes for all three program age groups early in 2023.

Youth Program Savings Account Rates

For month ending August 31, 2023

Minimum Balance to Open
Minimum Balance to Earn Dividends
Annual Percentage Yield
child making transaction

Student Checking, Spend & Savings Accounts

Our Enhanced Checking and Digital Edge Spend Accounts1 are an ideal place for students to start managing their spending money—with or without your help! These joint accounts give kids as much spending freedom as you’d like, while you get just the right amount of control.

  • No minimum balance requirement
  • No monthly service fees2
  • Debit card with card controls3
  • Free nationwide access to 55,000+ surcharge-free ATMs4
  • Text and email account alerts
  • Free Online and Mobile Banking5

Members 18 and up can bundle their favorite products to get the most out of their Summit membership.

  • Direct Deposit – Watch your money grow when you set-up direct deposit. Plus, get access to your money faster.
  • Overdraft Protection/ Line of credit6 – Get peace of mind and flexibility to access funds when and if you need it.
  • Visa Credit Cards6 – Start building your credit and credit responsibility with small credit line.
  • Auto Loans at the dealer6 – Looking for the first car? We partner with over 300 dealers that you can get a Summit Auto loan right at the dealer. Start and finish the process in one spot!
  • College Wise Loans.6 – College can be stressful. We offer loan options to fill the gaps and help you succeed.
  • Visa Gift Cards – Not ready for a debit card? Use a Visa gift card to make online purchase or for those times when you don’t want to carry cash.

Ask a representative for more information today!

student checking and spend accounts

Here’s what you’ll need to open a Youth Account:

summit membership

Be eligible for a Summit Membership

Find out if you’re eligible. If you’re not a member, join at the same time!

social security check

Complete Social Security Number

This is the child’s form of identification.


Completed Application

Fill it out in advance and mail or bring into the branch or apply online.

Answers to Your Money Questions

Check out Reaching Your Summit, an area of our website just for students and young adults. You’ll get tips on everything money, so you can make today brighter and have the financial future you want.

College Financial Planning

scholarship programs

Scholarship Programs

The Summit is proud to participate in two annual scholarship programs. Visit Other Benefits for details.

student loans

Student Loans

To help with educational expenses, The Summit also offers our College Wise Loans.

college savings accounts

College Savings Accounts

Start putting money aside for future college costs today with help from The Summit. Ask us about our tax-free investment options for your child’s future education expenses.

View Options

Not responsible for typographical errors.

1 To be eligible for the Digital Edge Spend Account you must be less than 27 years of age, enrolled in Electronic Statements, enrolled in Mobile or Online Banking, and must have an Active Debit Card (defined as performing a minimum of ten (10) Debit Card transactions posted during the month on the Digital Edge Spend Account). Members that no longer qualify for the Digital Edge Spend Account will be converted to the Enhanced Checking account (if under 27) or the Digital Freedom Spend Account (when turning 27) and no longer qualify for these fee exemptions.

2 Must be age 22 or younger for exemption of Account Maintenance Fee unless you have the Digital Edge Spend Account. See Rate & Fee Schedule for details. Must be 18 years of age or older to open a checking account, or have an accompanying joint member on the account who is 18 years of age or older.

3 Card Controls: While your card is in temporary “off” mode most new purchases and ATM transactions will not be processed. Preauthorized transactions and authorized reoccurring transactions may be approved while the card is in “off” mode. You remain responsible for monitoring all transactions.

4 A $2.00 fee will be charged for each ATM transaction at a non-Summit owned which exceeds the number of free transactions associated with your Member Benefit Level. See Rate & Fee Schedule for details. This is based upon the posting date of your transactions. If you use an ATM that includes a surcharge fee from that provider, you will be responsible for that fee. Please note: Withdrawals and inquiries count toward your monthly transaction limit.

5 Mobile Banking is a free service available only with a Summit FCU Account. Your mobile carrier’s text messaging and data charges may apply.

6 Subject to application and credit approval. Must be 18 years of age or older to apply.