An account designed to make saving easy to understand and rewarding from the very first deposit — helping your child build smart money habits while you guide them every step of the way

A simple way to help your child start saving with confidence

Beginner’s Best Kids Savings gives children a safe, structured way to learn about saving — with guidance from a parent or guardian every step of the way.

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No monthly fees

Let every dollar stay focused on your child’s future with no monthly maintenance fees and a minimum balance of $5 to open.

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Savings that grow over time

Your child’s balance earns dividends that are added regularly, helping their savings grow steadily while they learn the value of consistency.

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Parent or guardian guidance

A parent or guardian serves as a joint owner, offering support and real-life conversations that help shape smart money habits from the start.

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Ready for what’s next

When your child turns 13, the account automatically converts to a Daily Access Savings account — supporting the next stage of independence and financial growth.

Open your child’s savings account with ease

Opening a Beginner Best Kids Savings Account takes just a few easy steps. From your child’s first deposit to watching their confidence grow, we’ll help you make saving feel clear, manageable, and rewarding from day one.

01
Start your application online

Getting started takes just a few easy steps. A parent or guardian opens the account, and we’ll guide you through the process.

02
Set everything up in one place

Enroll in online banking and set up transfers so you can consistently add to your child’s savings and track progress.

03
Build smart savings habits together

Make deposits regularly and use the account as a way to teach your child the value of saving and planning ahead.

Beginner's Best Kids Savings rates

Balance  Dividend  APY*  
$25,000 or more  0.30%  0.30%  
$10,000 or more  0.30%  0.30%  
$5,000 or more  0.30%  0.30%  
$2,500 or more  0.30%  0.30%  
Up to $2,500  0.30%  0.30%  

*APY = Annual Percentage Yield. Rates are variable and may change after the account is opened. APY is accurate as of 02.17.26. Balance requirements for APY tiers are outlined in the rate table. A $5 minimum deposit is required to open the account. Fees could reduce earnings on the account. Certain types of withdrawals or transfers may be limited as part of account policies. Please refer to the account agreement for details. 
Your questions, answered

A parent or legal guardian must open the account as a joint owner on behalf of the child. Because minors cannot open accounts independently, an adult serves as the responsible account holder. 

Yes. As the joint owner, you can view balances, track deposits, and monitor account activity through digital banking tools designed to make managing savings simple and clear. 

Yes. A Beginner Best Kids Savings Account provides a hands-on way to introduce saving habits, goal setting, and consistency — all with the support of a parent or guardian guiding the process.