Kids & Teens Accounts

Kickstart their account with $50. See disclosure below.

Open a new account with your kiddo and watch for $50 deposited into the account after 30 days. Already have a Youth account? No worries!
Add another account, like their first Jump Start Savings, first Checking, first Certificate, or first Money Market account to an existing minor account and get $50.

Learn More

Financial wellness starts at home and U of I Community Credit Union wants to partner with families to help raise money-savvy kids.

Whether you’re guiding a teen through their first paycheck or teaching smart money habits early on, these accounts are designed to make it easier for both of you – with the digital tools you’d expect, plus a few features made with families in mind. In your free digital banking, you can easily transfer money, monitor accounts, enable card spending limits, set up transaction alerts, and more.

Here’s what you’ll need to get started:

  • Parent’s ID (Drivers License, State ID, Military ID, or Passport)
  • Minor’s birth certificate, state ID, passport, or Legal guardianship paperwork
  • Copy of minor’s social security card

Types of Accounts

Available to anyone under the age of 18. Parents or legal guardians must remain joint on the account at least until the minor turns 18 and can then request to be removed if desired.

Savings

Establish your child’s membership with us today by starting a savings account.

Checking

Think your kid is ready for their own debit card? A checking account is a great way to start helping them manage their money and learn financial responsibility while monitoring their activity. Must be 11 years old to open a checking account.

Money Market

Earn a higher dividend rate on your child’s savings plus the flexibility to access their money on a limited basis. Must be 11 years old to open a money market account.

Certificates

Looking for something with a higher return? Check out our current certificate rates.

Open Your Kids or Teens Account

Is your child new to membership? Open an account here:

If your child does not have an account at UICCU, you can get started with their membership and account below. Parents or legal guardians must remain joint on the account at least until the minor turns 18 and can then request to be removed if desired.

Does your child already have an account at UICCU? Add another account here:

If your child already has an account or membership with us, you can add another savings account, checking account, or certificate under their existing membership account.

Add Account

Chat with Us!

Have a few Qs before getting started? No problem! Schedule an appointment below:

Schedule An Appointment

Learn More About...

Parents or legal guardians must remain joint on the account at least until the minor turns 18 and can then request to be removed if desired. No courtesy pay on minor accounts.
$50 bonus offer available to members who open a new qualified Minor membership savings account at UICCU between 4/5/2026 and 12/31/2026 OR existing UICCU Minor membership account holders who open a new qualifying product in the same timeframe. The primary account holder must be under the age of 18 to qualify for a Minor account type. A qualified parent or guardian must be joint on the account at least until the minor reaches the age of 18. Qualifying products include new membership savings (one per member\SSN), new Jump Start savings, new checking, new certificates or new Illini Draft or Jumbo money market accounts. Secondary share accounts, existing Membership Share accounts and all other existing open accounts do not qualify for the $50 bonus offer. Offer limited to one $50 bonus offer per primary member\SSN up to $50 maximum. To receive the $50 bonus offer, the application for membership or new account type must be submitted between the dates listed above using the supplied application link, QR code or special promo code of KIDSANDTEENS50. The $50 bonus will be posted to the Membership Savings account after the account has been opened for at least 30 days and remains in good standing. The account must be open at the time of bonus posting. Allow 60 days after account opening for bonus posting. Cash bonuses are considered a taxable dividend and will be reported on an IRS 1099-INT. All applicants for any UICCU products or offers must first qualify for membership at UICCU and open/maintain a Membership Savings account at UICCU. All bonus offers are for a limited time and may be withdrawn without notice. Other restrictions may apply. Contact a UICCU representative for additional details.

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