A head start.
For their future.
A Vida Youth Account is a simple way to help your child start learning about money — saving, spending, and making smart financial decisions — while building healthy financial habits that can last a lifetime.
Membership required. Youth Savings opens with a $5 minimum deposit. Youth Checking opens with a $0.01 minimum. Federally insured by NCUA up to $250,000 per owner. Verify current terms with Vida FCU.
Starts Youth Savings
A classic, easy savings account with a low minimum.
Starts Youth Checking
Simple, affordable checking — open with just $0.01.
Monthly / Overdraft / NSF Fees
More money stays in their account. A stress-free way to learn.
Online Banking Access
Monitor real-time transactions, manage accounts, set up notifications.
Two accounts.
One head start.
Give your child more than an account — give them their first steps toward financial independence. Open online, manage it together, and let the habits build.
- Convenient online membership application — getting started is easy
- Visa Debit & ATM cards for hands-on experience with everyday purchases
- Surcharge-free cash at 30,000+ CO-OP ATMs nationwide
- 24/7 online banking — real-time transactions, account management, notifications
- eStatements make it easy to review account activity monthly
- No monthly fees, no overdraft fees, no NSF fees — a stress-free learning environment
The simple place to start. A classic savings account where allowance, birthday money, and first-paycheck dollars learn to grow.
Real-world money skills with training wheels: a Visa Debit Card, everyday spending, and zero fee traps while they learn.
Learn. Grow.
Build.
Opening an account is just the beginning. We want to help your child become more confident and informed about their finances — with free financial literacy materials, financial education resources for families and schools, and real opportunities to learn saving, budgeting, spending wisely, and planning for the future.
Youth members get access to all of it at no cost. Ask at the branch or explore our Financial Education resources.
Materials made for young members — the building blocks of money confidence.
Financial education resources parents and classrooms can actually use — saving, budgeting, spending wisely, planning ahead.
Tools that
come standard.
Online banking, mobile access, ATM network, eStatements. Your child gets the same digital toolkit as every Vida member — sized for learning, at no cost.
Online Banking
Move money between savings, checking, and other Vida accounts 24 hours a day through secure online banking.
Mobile Banking
Apps for iOS and Android. Check balances, transfer, deposit checks remotely. Your savings account in your pocket.
ATM Network
Deposit and withdraw at over 30,000 shared-network ATM locations. Plus shared branching nationwide.
eStatements
Skip the paper. Get your statement online, on your schedule. Less mail, less clutter, less tree.
Recurring Transfers
Set up automatic transfers from checking to savings. Pay yourself first without thinking about it.
Federally Insured — NCUA
Every account is federally insured by the NCUA up to $250,000 per owner. Estimate your coverage with the NCUA Share Insurance Estimator.
The stuff people ask first.
What comes with a Vida Youth Account?
A classic, easy Youth Savings account ($5 minimum to open), a simple Youth Checking account (just $0.01 to open), a free Visa Debit & ATM card, 24/7 online banking with real-time notifications, and eStatements. No monthly fees, no overdraft fees, no NSF fees.
Why zero fees?
Because kids are learning. No monthly fee means more money stays in their account. No overdraft or NSF fees means a mistake is a lesson, not a penalty. It’s a stress-free environment to build money habits.
How do we open one?
Through the convenient online membership application, or at the branch. Youth Savings opens with $5; Youth Checking opens with a penny.
Can parents keep an eye on the account?
Yes — 24/7 online banking lets your family monitor real-time transactions, manage the accounts, and set up account notifications, and monthly eStatements make reviewing activity together easy.
What about learning resources?
Youth members get free financial literacy materials, financial education resources for families and schools, and opportunities to learn saving, budgeting, wise spending, and planning for the future.
Is the money insured?
Yes — every account is federally insured by the NCUA up to $250,000 per owner. Estimate coverage with the NCUA Share Insurance Estimator.
Start their financial
journey today.
Give your child more than an account. Start saving. Start learning. Start building their future. The online application takes minutes, and Spanish-language support is available at no cost.