USAA Federal Savings Bank
FDIC-Insured - Backed by the full faith and credit of the U.S. Government
Give them a head start in their financial journey with our youth checking and savings accounts.
Limited offer
Getting started is simple. Open their first USAA Youth Spending Account, order a debit card and help them make 5 qualifying purchases to earn a cash bonus. Read full terms and conditions.
Offer only available on their first eligible account. Apply between July 15, 2026, and Oct. 16, 2026.
For as little as $25, parents who are USAA members can open a youth account for their child. Not a member? Join USAA.
Help your teen build good money habits while you keep an eye on their spending.
Teach them how to reach their budget goals safely and securely.
Limited offer
Getting started is simple. Open their first USAA Youth Spending Account, order a debit card and help them make 5 qualifying purchases to earn a cash bonus. Read full terms and conditions.
Offer only available on their first eligible account. Apply between July 15, 2026, and Oct. 16, 2026.
For as little as $25, parents who are USAA members can open a youth account for their child.
Help your teen build good money habits while you keep an eye on their spending.
Teach them how to reach their budget goals safely and securely.
Find out how our youth banking options help you stay in the loop while letting your kids grow their financial skills.
Video Duration: 1 minute 7 seconds
It’s smart to build good financial habits early in life. That’s why USAA Bank offers youth banking accounts to allow you to jumpstart your child or dependent’s financial journey.
They can learn about saving money, creating and sticking to a budget, and accessing their money using an ATM or debit card.
While most banks limit youth accounts for children under the age of 13, USAA Bank doesn’t have any minimum age requirements to open youth accounts. Kids who are 13 or older can use online banking services like mobile deposits and transfers.
As a parent and joint account owner, you’re able to monitor and access the account. You can also permit and restrict certain activities with parental controls.
Once your teen gets their first job, they have the option to deposit their paycheck directly into their account and get paid up to two days early — a benefit that many of our adult USAA Bank account owners also enjoy.
So, whenever the time feels right to start your child’s financial journey, know that USAA Bank is here to help you get started.
Description of visual information:[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.
“USAA Bank” means USAA Federal Savings Bank.
Deposit product and services offered by USAA Federal Savings Bank, Member FDIC.]End of description
Our youth accounts help you guide your child and keep their money safe.
Teaching financial responsibility shouldn’t come at a cost. Open an account and get a debit card without paying a service fee.
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.
Send money to their account with direct deposit or Deposit@Mobile®.
Once they’re an adult, you can remove yourself from their account. Or, you can continue as a joint account holder and help them manage their money.
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.
Giving your kid control over their finances from an early age can help them learn how to:
Having an account with us means feeling safe. We're committed to helping protect your money and your valuable personal information.
Strengthen your digital banking security with enhanced logon methods like biometrics or multifactor authentication (MFA).
If we see any unusual activity on your accounts, we’ll email or text you with a security alert.
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.