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Smart banking for every step

Choose an age range to discover what you need to open accounts for children, teens and young adults.

Happy preschool child playing outside sharing a moment with smiling mom leaning over to look at something in the child's hands

ACCOUNTS FOR KIDS UP TO 12 YRS

A solid foundation begins with a smart strategy

U.S. Bank Smartly Checking accounts have complimentary access to a Greenlight account1 for kids that includes:

  • A debit card for kids with app to monitor their spending and savings balances
  • Flexible parental controls to help kids learn to save and spend responsibly
Learn about Greenlight


Want them saving from day one? Opening a joint savings account for a newborn or young child up to age 12 is a gift that’ll grows with them. Start one by applying online with a valid photo ID.

Learn about Bank Smartly Savings

Teen and father at the beach smiling while sharing a moment looking at a phone

JOINT CHECKING ACCOUNTS FOR TEENS

Build financial confidence together

Empower teens with financial freedom and smart spending habits. Open a joint Bank Smartly Checking account to enjoy:

  • No Monthly Maintenance Fee.2 The $12 fee is waived.
  • ATM transaction fees waived on the first four Non-U.S. Bank ATM transactions per statement period34
  • Built-in digital tools to help them track spending and save automatically.
  • Want a few more guardrails? A complimentary Greenlight account1 includes extra parental controls.
     
Open a joint checking account Learn about teen checking

Young adult wearing headphones standing during a train commute and checking her phone in one hand while holding onto pole with her other hand

CHECKING ACCOUNTS FOR YOUNG ADULTS

Smarter banking for your next chapter

Power your potential and achieve your unique goals with Bank Smartly Checking for Young Adults. Your financial future starts here:

  • No Monthly Maintenance Fees. $12 fees are waived from your first deposit.2
  • Powerful financial tools to track your spending and automate your savings
  • Add on a Bank Smartly Savings account to benefit from higher yields as your balances grow.5
     
Open a checking account Learn about checking for young adults

Confidence at every milestone

From saving pennies to stretching an allowance to managing a paycheck, they’re covered.

Build a foundation


Guide their first steps with a savings account. Graduate them to a checking account for kids with a debit card and built-in parental controls.

Learn independence
 

Teens build money confidence with joint checking. Parents stay connected through real-time access and transfer options.

Master your money
 

Young adults enjoy digital tools and fee waivers for smart money management. Track spending, set goals, and plan ahead.

Financial education resources by age

Financial literacy starts with insightful tips and simple conversations that help kids and young adults build confidence and develop essential money skills. Explore our articles to find the right strategies for your family.

Allowance basics for parents and kids

5-minute read

Allowance is the first lesson in personal money management for kids. Teach kids to follow these best practices for saving and spending.

Learn more

5 tips for parents opening a bank account for kids

5-minute read

It’s common for children to observe and model their parents’ behaviors. Smart money management is no different.

Learn more

Helping Gen Z build financial confidence

5-minute read

Find out what parents of teenagers and young adults can do to help their kids feel more secure about their finances — and their futures.

Learn more

3 tips for saving money easily

3-minute read

These pointers for saving can help you make building wealth a part of your regular routine.

Learn more

Your first paycheck: Small steps for big financial wins

5-minute read

By taking deliberate, strategic steps with your first paychecks, you can take ownership of your financial journey.

Learn more

Common questions about banking for kids and young adults

Ages 0-12

Kids under 13 can use a Greenlight1 debit card start learning to manage money in a safe, age-appropriate way. When you open an eligible U.S. Bank checking account, you qualify for a complimentary Greenlight family account and Greenlight debit card for your child. It comes with built-in parental controls that let you set spending limits, monitor transactions, and guide healthy financial habits every step of the way.

See why kids love Greenlight

You can start by opening a Bank Smartly Savings account5 with a child of any age online then visit a branch together if needed to complete setup. Designed for simplicity and parental oversight, this joint savings account allows for easy family gifting and harnesses the power of early savings, turning milestones into future financial momentum for your child.

Schedule an appointment

For young adults ages 24 and under, the $12 Monthly Maintenance Fee is automatically waived. For adults 25 and older, the Monthly Maintenance Fee on Bank Smartly Checking accounts can be waived in multiple ways, including maintaining a specified average balance or having qualifying direct deposits into the account.2

Ages 13-17

Opening a teen checking account is designed to be stress free. Teens age 13 to 17 can open an account jointly with a parent or adult guardian online or in a branch. You will need to provide a valid primary ID, such as a driver’s license or passport and may be asked for a secondary ID or proof of address.

Parents can easily transfer funds to their teen’s account using the U.S. Bank mobile app or online banking. They can also set up recurring transfers for allowances or specific savings goals.

Learn about more ways to move money

Teens can build financial skills using digital budgeting tools and hands-on resources. Setting up joint accounts with spending alerts6 and savings goals helps teens learn how to track expenses, plan ahead and develop responsible habits with ongoing parental support.

Learn more about our spending tracker

Ages 18-24

Opening an account online is quick and simple. Have your identification and personal details ready, including Social Security number if required. Complete the secure application and fund your account to get started in less than 5 minutes.

Learn more about checking for young adults

A checking account that offers convenience and avoids unnecessary fees is the ideal starting point. U.S. Bank Smartly® Checking account Monthly Maintenance Fees are waived for individuals age 24 and under2 and provides powerful digital tools, including our award-winning mobile app to manage your money from anywhere.

Building credit starts with proving financial responsibility. Consider applying for a credit card designed for those new to credit or with limited history. Use it for manageable purchases and pay the balance in full each month to start growing a positive credit record.

Learn ways to build your credit

TAKE THE NEXT STEP

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Disclosures

  1. U.S. Bank customers are eligible to receive the Greenlight Select plan complimentary when an eligible U.S. Bank checking account (excludes Safe Debit and Electronic Transfer accounts) is added as a funding source. You are required to be an authorized transactor on the U.S. Bank account, be at least 18 years of age, and be enrolled in online banking. Your U.S. Bank checking account(s) must be the preferred funding source for your Greenlight account for the entirety of the partnership. If your U.S. Bank checking account(s) cease to be the preferred funding source for your Greenlight account or you add a funding source that is not an eligible U.S. Bank checking account, you may be charged a monthly fee by Greenlight. In-app upgrades will result in additional fees. Subject to Greenlight identity verification. See greenlight.com/terms for additional information. Offer subject to change. Greenlight is a financial technology company, not a bank. The Greenlight app facilitates banking services through Community Federal Savings Bank (CFSB), Member FDIC. The Greenlight Mastercard is issued by Community Federal Savings Bank, Member FDIC, pursuant to license by Mastercard International.

  2. Bank Smartly Checking account Monthly Maintenance Fee: For newly opened U.S. Bank Smartly Checking accounts, the Monthly Maintenance Fee is waived for the first 2 statement periods from the account open date. Members of the military (requires self-disclosure), Workplace-Financial Wellness Program, U.S. Bank Global Transition Solutions, clients age 13-24 or clients 65 and over, pay no monthly maintenance fee. State Farm Alliance customers can waive the monthly maintenance fee as an owner of an eligible personal State Farm credit card. All others can have it waived by meeting any one of the following criteria: Have combined monthly direct deposits totaling $1,500 or more; or keep a minimum average account balance of $1,500 or more; or owner on a U.S. Bank Smartly™ Visa Signature® Card; or owner of an eligible U.S. Bank small business checking account; or qualify for one of the three Smart Rewards® tiers (Gold Tier, Platinum Tier or Platinum Plus Tier).

    The average account balance is calculated by adding the balance at the end of each calendar day in the statement period and dividing that sum by the total number of calendar days within the statement period. Other fees may apply.

    Please refer to the Consumer Pricing Information (PDF) disclosure for more details.

  3. ATM Transaction Fee. U.S. Bank will assess this fee for each ATM Transaction conducted at the Non-U.S. Bank ATM. This means that you may be charged more than one ATM Transaction fee at a Non-U.S. Bank ATM during a single ATM session. Non-U.S. Bank ATMs are defined as any ATM that does not display the U.S. Bank logo in any manner, physically on the ATM or digitally on the  screen.

    ATM Surcharge. Non-U.S. Bank ATM owners may apply a surcharge fee on ATM transactions at their ATMs. U.S. Bank participates in MoneyPass®, an ATM surcharge free network. To find MoneyPass ATM locations, select “visit the MoneyPass locator” at the bottom of our ATM locator search results to be taken to the MoneyPass website. If you use an ATM that uses the MoneyPass® Network and are charged a surcharge fee, please call us at 800-USBANKS (872-2657) for a refund of the surcharge fee. However, a Non-U.S. Bank ATM Transaction Fee may be assessed on transactions at a MoneyPass ATM.

    Please refer to the Consumer Pricing Information (PDF) disclosure section titled Miscellaneous Checking, Savings or Money Market Fees for a summary of ATM transaction fees.

  4. When changing checking account types, corresponding Non-U.S. Bank ATM transaction fee waivers will become available on the first day of the next statement cycle. ATM transaction fee waivers are only applicable for your U.S. Bank Smartly® Checking accounts.

  5. The interest rates and Annual Percentage Yields (APYs) for the Bank Smartly® Savings account are variable, determined at the bank’s discretion, and can change at any time, including after the account is opened. For additional details about the U.S. Bank Smartly Savings Interest Rate Bump, see the U.S. Bank Smartly Savings Rate Sheet.

  6. Text messaging fees – For text alerts, standard messaging charges apply through your mobile carrier and message frequency depends on account settings. Check with your carrier for specific fees and charges. Please be advised that the alerts may not be sent immediately.

Start of disclosure content

Deposit products are offered by U.S. Bank National Association. Member FDIC.

The U.S. Bank Visa® Debit Card is issued by U.S. Bank National Association, pursuant to a license from Visa U.S.A. Inc.