Smart start: built for how they grow. designed for how they spend.

Smart Start is a simple, flexible way to help kids and teens build strong financial habits early. Whether they’re starting to save for what’s next or learning to manage money day to day, Smart Start gives them the tools to do both, with the support of a trusted financial partner.

Two accounts. One smart foundation.

• Smart Start Savings for building balances and future goals
• Smart Start Spending for everyday money management

Open one or pair them together to create a complete system that grows with them.

Why Smart Start works

Money habits start early. Smart Start is designed to make those first experiences simple, clear, and meaningful.

• Encourages saving first, then spending with purpose
• Easy ways to save, spend, and track money
• Built-in structure without unnecessary complexity
• Designed for kids, teens, and parents navigating money together
• Backed by local support you can trust

Start with Saving. Build Confidence. Add Spending.

Some start by setting money aside. Others are ready to manage everyday spending. Many do both.

However they begin, Smart Start helps build real-world financial confidence that lasts.

Make the most of Smart Start

Use both accounts together to create a balanced approach:

• Save consistently
• Spend responsibly
• Learn by doing

Because strong financial futures don’t happen all at once. They’re built step by step.

Stop by your local branch to get started.

Smart Start accounts are designed for youth members and require a parent or legal guardian. Eligibility and account features vary by product type. Smart Start Savings is available for youth ages 0–17 (through age 17, until their 18th birthday). Smart Start Spending is available for youth ages 13–17 (through age 17, until their 18th birthday). A minimum opening deposit of $10 is required for each account. Upon reaching age 18, account eligibility and features will change. Membership eligibility required. Additional terms, conditions, limitations, and fees may apply.