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The power of starting young and free!

Free checking that is! Our Bright Future Checking is for kids, teens and everything in between. It's designed to grow with your child and encourage financial responsibility. This is a great option for middle and high school students1.  Bright Future Checking is held jointly with an adult, giving independence for kids and control for parents. When your child turns 18, their Bright Future Checking account will automatically convert to an eChecking account2 with all the same great features. 

There are no fees or minimum balance requirements. Plus, your child will get a $25 bonus3 that will be credited to the account after their first deposit. As a joint owner, adults have full access to the account to monitor spending and debit card activity with card controls. Through online and mobile banking, you and your child have access to transfer funds, pay people or bills, check balances and so much more. 

Tech-savvy and youth friendly

dollar sign in mobile phone icon check in frame on mobile phone phone screen icon laptop and mobile phone with personal finance budget icon on and off buttons mobile wallet contactless payment symbol debit card outline icon
Mobile Banking Mobile Deposit Personal Finance Card Controls Mobile Wallet Debit Card
Adults can transfer funds directly from their account into the Bright Future Checking account. Online and mobile banking makes it easy for parents to see where money is spent, create alerts, set limits and turn their child's card on and off with just a swipe. 

Ready to get your child started with their first debit card? 

Open Account

We do not knowingly collect Personal Information from individuals under the age of 13 who use our website without obtaining consent from a parent or legal guardian. You can learn more about the Children's Online Privacy Protection Act (COPPA) by visiting the Federal Trade Commission's website. 
1 Must be under 18 years of age.
2 At account conversion to eChecking, electronic statements are needed to avoid the statement fee.
3 The bonus will be credited to the account at the first statement cycle after the deposit. There is no minimum amount for the deposit.