Youth Accounts

Start Saving Early!

American Heritage is fully committed to helping your child gain important financial literacy skills through workshops, in-branch Teller interactions, and even an account of their own. By introducing age-appropriate, real-life skills, your child can master healthy money habits before they even start their first job.

Children as young as 5 years old have been reported to have an emotional reaction to spending and saving money [1]. These emotional reactions shape financial behaviors in adolescence and adulthood, proving that it's never too early or too late to begin discussing healthy habits. Let every day be a lesson for your child and help them experience the rewards of saving, beyond the piggy bank!

youthAccounts

Choose one of our five youth accounts, tailored for five different age groups, and set your child on the path to financial success today!

Benjamin’s Money Club (ages 13-15)

  • Savings Accounts
  • Free* Checking Account
  • Debit Card in your name
  • Mobile Teller App with eDeposit
  • OnLine Teller
  • Phone Teller
  • Access to Over 30,000 ATMs Nationwide
  • CD Products
  • Need a place to store those Benjamins you've been earning at your summer/weekend job? We have the account to help save while also learning how to manage and control your money.

Independence Account (ages 16-17)

  • Savings Accounts
  • Free* Checking Account
  • Debit Card in your name
  • Mobile Teller App with eDeposit
  • OnLine Teller
  • Phone Teller
  • Access to Over 5,300 Shared Branches Nationwide
  • Access to Over 30,000 ATMs Nationwide
  • CD Products
  • Declare your independence with the account that will help you prepare for college and learn what it means to be financially independent.

Young Adults Account (18-22)

  • Savings Accounts
  • Free* Checking Account
  • Debit Card in your name
  • Mobile Teller App with eDeposit
  • OnLine Teller
  • Phone Teller
  • Platinum MasterCard
  • Access to Over 5,300 Shared Branches Nationwide
  • Access to Over 30,000 ATMs Nationwide
  • CD Products
  • And Much More!
  • We've taught you financial independence, now we can help you learn financial responsibility. You now have access to every product and service we have to offer. Choose responsibly.
Family

Teach Financial Literacy Early

Financially literate children will become adults who save and spend smart.

Education is Important!

Start saving for your child's education with an account that is different from the rest.
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Looking for a Fun Financial Activity?

Check out our activities page and have a little fun while learning something.
Valid for Little Patriots, Pat & Lucy’s Money Club, Benjamin’s Money Club, Independence or Young Adult Accounts (Collectively, “American Heritage Youth Savings Accounts”) that are opened by, and in good standing on, July 31, 2019.   New money only; transfers from other American Heritage accounts are not eligible. American Heritage will offer a $10 cash bonus for any deposit of $10 or greater made into an American Heritage Youth Savings Account between April 1, 2019 and July 31, 2019. Bonus will be deposited directly into specified American Heritage Youth Savings Primary Share Account 30 days after deposit. Account must be funded and in good standing in order to receive bonus. Members receiving incentives may be responsible for paying taxes on the incentives.  May not be combined with other promotions.  Offer subject to change without notice. Limit one bonus per accountholder.  Membership eligibility required.

The law requires parental consent to collect or use information from a child under 13. If you are a child under 13, please show this to your parents and do not use the online services of this institution without verifiable parental consent pursuant to the Children's Online Privacy Protection Act.” The disclosure does not pertain to the collection of information from children under 13.