A safe place for kids’ cash (and parents’ peace of mind).
Kids don’t need “training accounts” — they deserve the real thing. At Utah First, youth checking is the same full-strength Personal Checking account adults enjoy, complete with perks, points, and budgeting tools. Parents keep the oversight, kids get the ownership — one account with every feature, for every member, whether you’re 6 or 60+.
See Everything They Get!
School lunch, movie night with friends, notebooks for class — every debit purchase earns points that kids can trade in for gift cards to their favorite stores, extra cashback for fun, or savings that pad their future college fund.
Kids aren’t exactly famous for keeping track of stuff — so if their debit card takes a detour on the bus or gets left at rehearsal, no sweat! Lock it instantly in Digital Banking and keep their cash safe until the card turns up.
Anyone aged 6–17 can open a youth checking account as long as Mom, Dad, or a guardian is on board to be a co-owner until the teen turns 18.
To get started, stop by a Utah First branch with:
You can also start the process online anytime. Either way, we’ll be here to make it quick and easy!
Sharing is caring, but banking is a little different. A kids’ checking account is limited to one child and one parent or guardian co-owner. Got more kids? Each one gets their own account with their own card, perks, and bragging rights.
Youth checking accounts come loaded with nearly every perk we offer. Loan discounts are the only exception since minors can’t legally borrow. Until then, they’ll build smart habits so they’re ready when borrowing makes sense. Think of it as one more milestone to look forward to!
Nope! If you want your kids to practice independence without giving them the keys to the whole vault, youth checking limits their view to their own account, allowing them to focus on their money while your other accounts stay private.
Every point kids earn is just as powerful as the grown-up version. Gift cards, cashback, and travel are all fair game — but when it comes to plane tickets, they’ll need a little adult backup to get off the ground.
Nothing complicated. You’re removed as co-owner, they take the wheel, and the account keeps rolling with all the same perks and tools they already know.
They sure do! Even a few babysitting bucks can start earning interest right away.
Children’s checking accounts pay monthly dividends based on balances, starting at 0.15% APY once the account hits $3,000 and climbing with higher amounts. Dividends are compounded and credited monthly, so every saved dollar has the chance to earn a little extra.