Smart Start Spending

Build confidence using money in real life.

Smart Start Spending helps kids and teens take the next step, learning how to manage money day to day while building on the savings habits they’ve already started.

 

Built for real-life use

Smart Start Spending makes it easy to:

• Make everyday purchases
• Keep track of available balances
• Build strong spending habits early
• Learn how to manage money responsibly
   

Account details

Simple, accessible, and easy to manage:

• Minimum to open: $10
• Monthly fee: None
• Debit card: Included for everyday purchases
• Digital access: Online and mobile banking available
• Account type: Non-interest-bearing checking account
   

Features that fit how they use money today

• Tap to pay for quick, everyday purchases
• Mobile app access to track balances and activity
• Send money to friends with Zelle®
• Debit card controls to turn their card on or off and manage usage
• Real-time transaction visibility into spending 

A natural next step

Once saving habits are in place, learning how to spend wisely is the next part of the journey. Smart Start Spending helps bring those lessons into everyday life.

 

A minimum deposit of $10 is required to open the account. No minimum balance or monthly maintenance fee required. Members ages 13–17 must open the account with a parent or legal guardian. Debit card daily purchase limit is $500. Zelle®, digital wallet, mobile banking, and debit card control features are subject to eligibility, enrollment requirements, device compatibility, and applicable terms and conditions. Transactions are subject to available funds and fraud monitoring. Overdraft Protection does not apply to Smart Start Spending accounts. Membership eligibility required. Smart Start Spending is available for youth ages 13–17 (through age 17, until their 18th birthday). Upon reaching age 18, the account will automatically transition to a SimplyFree Checking Account.