Youth Accounts
A simple way for kids and teens to build strong money skills through everyday banking tools and savings opportunities that help them earn interest and develop healthy financial habits early, with built-in parental visibility and controls to support and guide their financial learning.
SmartStart Checking4Me
Our youth checking account is a great first step into basic money management, offering access to a debit card and digital banking tools.
Features & Perks
- No monthly service fee
- No minimum balance requirement
- Parental controls with spending limits and transaction alerts
- For ages 12-17 years old
- Digital Banking available to ages 13+
- Debit Card and Digital Wallet available to ages 12+
- Debit Card safe spending controls
- Access to surcharge free MoneyPass® ATMs
- SmartStart Learn & Earn Financial Education
Requirements
- Parent/Guardian (18+) required as joint account owner
- Account will convert to Checking4Me account at age 18
SmartStart Savings4Me
Our youth savings account helps young savers earn more with one of our highest interest rates while developing smart savings habits.
Features & Perks
- No monthly service fee
- No minimum balance requirement
- Parental monitoring
- For ages 0-17 years old
- Premium interest on $0-$5,000
Standard Savings4Me interest rate on $5,000+ - Digital Banking available to ages 13+
- SmartStart Learn & Earn Financial Education
Requirements
- Parent/Guardian (18+) required as joint account owner
The parent/guardian joint account owner must have an associated Rewards4Me Checking account or Checking4Me account which must meet all of the following requirements:- Average minimum balance of $500+ each calendar month
- Qualifying electronic deposit1 into MidCountry Bank checking account each calendar month OR 10+ debit card transactions posted each calendar month
- Account will convert to Savings4Me account at age 18 or if the linked parent/guardian account requirements are not met
1. A qualifying electronic deposit is a deposit of funds, such as your salary, government benefit payment, or other income, that has posted to your account and is (1) a direct deposit made through the Automated Clearing House (ACH) network, or (2) an instant payment processed through the RTP® network (real-time payment system) or FedNow Service. Transfers from one account to another, mobile deposits, Zelle®, or deposits made at a branch or ATM are not considered a qualifying electronic deposit.
SmartStart Learn & Earn Financial Education
A flexible financial education program that helps kids and teens build strong savings habits.
Learn About Money
Tailored for students in grades PreK–2, 3–5, 6–8, and 9–12, every level includes four engaging lessons that make learning about money simple and interactive.
$5 Reward
Each completed lesson earns a $5 deposit reward, up to $20 per age group.
Downloadable Lessons
Lessons are available to download anytime from the list below and can be completed at home and brought into any branch, or completed in person at a branch where a banker will help guide the student through the lesson step by step.
Grades PreK-2:
Lesson 1:
Counting Coins
Lesson 2:
Learn to Earn
Lesson 3:
Weighing Needs and Wants
Lesson 4:
Ready. Set. Goal.
Grades 3-5
Lesson 1:
Money Matter
Lesson 2:
Get Set for Goals
Lesson 3:
Make a Plan
Lesson 4:
Save Your Money
Grades 6-8
Lesson 1:
The Path to Success
Lesson 2:
Spend, Save, or Give?
Lesson 3:
Designing Dreams
Lesson 4:
Give Credit Where Credit is Due
Grades 9-12
Lesson 1:
Working Hard for the Money
Lesson 2:
Designing Dreams
Lesson 3:
Can You Pay Your Bills
Lesson 4:
Boost Your Savings
***Parents/Guardians – please help your child download and print the financial education lessons.
Not sure where to get started? Let us help you.
