Savings accounts for kids and teens
From piggybanks to paychecks, our youth accounts support your students’ financial journey, one step (and dollar) at a time.
Smart banking for our youngest members
It’s never too early to build smart money habits, so we offer exclusive youth and student accounts with great member benefits.
Student Checking
A free checking account that builds real-world money skills.
- Designed for ages 13-21 11
- A debit card that can be used at any ATM, nationwide
- Gain valuable experience in managing, saving, and spending
- Online and Mobile Banking, so you can access your account wherever and whenever you need to
Youth Savings
Start strong: a savings account that grows with your child and their goals.
“Ellen made my experience with Palisades Credit Union a positive one! She was kind, friendly and I highly recommend her for all your banking needs!”
- Laura A.
- Palisades CU Member
Your future, our commitment
Apply for the Palisades CU Scholarship, created to support the students in our community.
Solutions from a credit union that gets it
We’re where your neighbors enjoy modern tools, online access, and perks that put more back in your pocket.
Zelle®
Send and receive money from friends and family right in our mobile app.
Digital Banking
Free for you to use anytime, anywhere.
Palisades Perks
Member-only offers & discounts.
Refer-a-Friend
Spread your love for Palisades and earn rewards.
Learn, grow, and thrive
From budgeting tips to credit-building advice, we’re here to help you make smart financial decisions with confidence.
Current youth account rates
Youth Accounts FAQs
Common questions about our youth accounts.
Who can open a youth or student checking account?
A youth checking account is available for anyone under the age of 22. A student checking account is available to students ages 13-21.
Does a parent or guardian need to be on the account?
Yes. For members under 18, a parent or legal guardian must be a joint member on the account. This ensures guidance and oversight while our youngest learn to manage their money.
Is there a minimum balance to open a youth account or student checking account?
Just a $5 minimum to get started!
What happens once the account holder becomes older than the account age limit?
Youth savings accounts will automatically convert into a Share Savings account and checking accounts will automatically convert into a Foundation Checking account.
Do these accounts have digital banking access?
Yes! Both youth and student account holders can use our website and mobile app to manage their accounts!
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We’re in your corner
Smarter accounts, real rewards, and the convenient tools you rely on. Get it all from a local credit union rooted in New York and New Jersey.
