Open a SmartStart Checking and Savings Account with SmartStart Spark, our interactive app that helps kids and teens set goals, earn rewards, track progress, and build money confidence.

Earn 6.00% APY* on the first $1,000 and 1.50% APY* on balances above $1,000 with SmartStart Savings, for ages 0–17.

Build money confidence with SmartStart Checking and Savings and SmartStart Spark, an interactive app where kids and teens can learn, earn, save, spend, give, and more.

With SmartStart Checking, teens ages 12–17 can manage everyday spending with a debit card and build money confidence with guidance from a parent or guardian.

Stay involved as your child learns to manage money with SmartStart Checking and Savings and the SmartStart Spark app. Parent approvals, account alerts, and card controls help you guide their spending along the way.