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Fall into financial  freedom with youth bank accounts.

Help your teen get a head start with our youth checking and savings accounts.

Features and benefits for your peace of mind

Our youth accounts help you guide your child and keep their money safe.

No monthly service fee

Teaching financial responsibility shouldn’t come at a cost. Open an account and get a debit card without paying a service fee.

Parental controls

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.

Easy ways to add money

Send money to their account with direct deposit or Deposit@Mobile®.‍ ‍ See note 1

Flexibility after they turn 18

Once they’re an adult, you can remove yourself from their account. Or become a joint account holder and help them manage their money.

Quicker access to their money with Early Pay

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.‍ ‍ See note 2 

Ways a youth account can help their future

Giving your kid control over their finances from an early age can help them learn how to:

  • Access their money using an ATM or debit card.
  • Save money for bigger purchases.
  • Create and stick to a budget.
  • Use online banking services like mobile deposits and transfers when they turn 13.

Why choose USAA Federal Savings Bank?

Having an account with us means feeling safe. We're committed to helping protect your money and your valuable personal information.

Secure Logon Options

Strengthen your digital banking security with enhanced logon methods like biometrics or multifactor authentication (MFA).

24/7 Fraud Monitoring

If we see any unusual activity on your accounts, we’ll email or text you with a security alert.‍ ‍ See note 3

FDIC Insured

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.