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Youth Accounts

Start Young Youth Accounts

Choose the age-appropriate account that will allow your child to develop strong financial habits.

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Build Strong Savings Habits for Your Children

Teaching your children to be financially responsible is one of the most important lessons you can teach. At AdelFi, we provide youth accounts for every stage of your child’s financial development from pre-school through their high school graduation. These accounts enable you to teach your children valuable saving and money management habits while keeping you in control of the accounts.

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Already a member? Log in to online banking and send a chat or secure message to add an account.

Transfer

Easy deposits and transfers to your child’s account

Money Alerts

Full parental controls over spending limit

Chat Bubble

24/7 parental monitoring and alert options

Compare Start Young™ Youth Accounts

AdelFi's Start Young Checking and Savings Account are designed to grow with your child, featuring age-appropriate elements that help them learn essential money management skills. 

Account Type

0-7 Age Group

8-12 Age Group

13-17 Age Group

Start Young Checking

$25 minimum opening deposit

No monthly maintenance fees or minimum balance*

Parental controls to limit and track child’s account access and activity

24/7 secure access using online banking and mobile app

Debit card access

$25 minimum opening deposit

No monthly maintenance fees or minimum balance*

Parental controls to limit and track child’s account access and activity

24/7 secure access using online banking and mobile app

Debit card access

$25 minimum opening deposit

No monthly maintenance fees or minimum balance*

Mobile person-to-person payments

Easy account deposit and transfer options

Separate parental access and alerts to limit and track your child’s account activity

24/7 monitoring using online banking and mobile app

Start Young Savings

$25 minimum opening deposit

No monthly maintenance fees*

Dividend Rate: 0.35% APY1

24/7 secure access using online banking and mobile app

Parental controls to limit child’s account access

$25 minimum opening deposit

No monthly maintenance fees*

Dividend Rate: 0.35%  APY1

24/7 secure access using online banking and mobile app

Parental controls to limit child’s account access

$25 minimum opening deposit

No monthly maintenance fees*

Dividend Rate: 0.35%  APY1

24/7 secure access using online banking and mobile app

Easy account deposit and transfer options

Separate parental controls to track child’s accounts

Start Young™ Debit Card Account Resources

AdelFi youth accounts each come with a debit card that connects to their spending account. Each card offers different features based on the age group it’s connected to. Compare the card benefits below.

Debit Card

How to Use This Card

0-7 Age Group

Demonstrate responsible card ownership

Explain how card purchases equal real money

Introduce simple budgeting and spending limits

No service or overdraft fees

8-12 Age Group

Teach safe online purchasing habits

Demonstrate card convenience and responsibility

Reinforce how card spending uses real money

Practice ATM access for deposits and withdrawals

No service or overdraft fees

13-17 Age Group

Everyday purchases on their own (gas, snacks, etc.)

Separate parental monitoring, spending limits, and alerts

Online and in-store purchase options

ATM access for deposits and limited withdrawals

No service or overdraft fees

Online & Mobile Banking

Digital banking is how you stay connected with your child’s accounts. With the online and mobile banking tools offered by AdelFi, you can maintain access to your child’s account to perform important tasks, including:

  • Track their spending and purchases
  • Transfer money to their accounts
  • Make digital deposits into their accounts
  • Set up mobile alerts for elements related to your child’s account
  • Set spending limits
  • Initiate mobile Person-to-Person payments


 


Dividend Rates Effective: June 09, 2025

1APY (Annual Percentage Yield) reflects the total amount of dividends paid on this account, based on the dividend rate and frequency of compounding, in a 365-day period. For dividend-bearing savings accounts, AdelFi pays dividends monthly on the last day of each month. The APY and dividend rates are variable and subject to change after the account is opened. There is no minimum balance requirement to obtain the disclosed APY Withdrawal of dividends and fees may reduce earnings the Start Young™ Savings account.

*Please refer to AdelFi's Account Agreement and Disclosures and Personal Account Information and Fee Schedule for complete information about each account. All account dividend rates, agreements, terms, and conditions offered are subject to change without notice.