New Members
If your child does not have an account at UICCU, open their account here.
Kids & Teens Accounts
From Inches to Interest
Whether you’re guiding a teen through their first paycheck or teaching smart money habits early on, these accounts are designed to help you build a strong financial game plan. They’ll have all 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.
For a limited time, open a new account with your kids and watch for $50 deposited into the account after 30 days. Already have a Youth account? No problem: Add another account to an existing minor account and get $50.
Kickstart their account with $50.
Current Members
If you child already has an account or is a member, add another account here.
Heads up! You must open an account using one of these links. Otherwise, you won’t get your $50.
These accounts got game…just ask Xavier Scott.
Opening the account is just the kickoff. Kids can work toward three savings milestones with exclusive, autographed Xavier Scott merchandise waiting at each one.
The Savings Gameplan
Kickoff: Account Opened!
Receive a swag bag from Xavier Scott to congratulate your student on starting their savings journey.
First Down: $100 Saved!
Get an autographed mini foam football when your child saves their first $100.
Red Zone: $500 Saved!
Another milestone reached, another reward! Once they’ve earned $500, they receive their Xavier Scott replica jersey T-shirt.
TOUCHDOWN:$1,000 Saved!
Take home the ultimate reward for a touchdown savings of $1,000: an autographed Orange & Blue Hype Chain
But Why Choose UICCU?
Easy: ✓Better Rates ✓Lower Fees ✓Local Service.
- Access to the Illini Debit Card
- No Minimum Balance
- Tap-to-Pay Debit Cards
- Google, Samsung, & Apple Pay
- Overdraft Protection
- 50,000K+ Surcharge Free ATMs Across the US
- #1 Locally Rated Digital Banking App:
- Money Transfers
- Account Monitoring
- Set Card Spending
- Set Up Transaction Alerts
- Become A Member for Just $1
There’s still more in our playbook…
Explore our articles for building smart money habits with kids, or check out the Financial Wellness Center for even more resources:
Suit up for smart money moves.
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. Checking accounts are available for kids 6 and older.
Money Market
Earn a higher dividend rate on your child’s savings plus the flexibility to access their money on a limited basis. Money market accounts are available for kids 6 and older.
Certificates
Looking for something with a higher return? Check out our current certificate rates.
Open Your Kids or Teens Account
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.
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:
Does your child already have an account? 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 below:
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
- Minor’s social security number
Chat with Us!
Have a few Qs before getting started? No problem! Schedule an appointment below:
Learn More About...
Kid's Accounts
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 9/29/2026 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 and must have a valid ITIN or SSN. 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.