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Start Up Savings and Checking

Kids grow up fast, their money should too.

Start them on the right financial path with great rates just for them.

Kids hero image

Start Up accounts

Start Up Savings

Earn up to 5.00% APY

On balances up to $1,000

Start Up Checking

Earn up to 0.10% APY

On all balances

Start Up Savings

Kid at Lemonade Stand

Start them off right with an account that teaches smart money habits. A Start Up Savings account will help your child build their savings while learning money skills to secure a better financial future.

  • First Tech membership required ($5 minimum balance)
  • Monthly dividends
  • No monthly account maintenance fees
  • Limit one per child

Start Up Checking

Take the first step in their financial future with a checking account that’s just for them. If your child is ready for their first account, a Start Up Checking account is a perfect way to set them on a path to financial wellness.

  • First Tech membership required ($5 minimum balance)
  • No minimum balance requirements
  • No monthly account maintenance fees
  • Limit one per child
Teenagers Talking

Getting started.

Applying for a Start Up Savings or Checking Account only takes a few minutes. Simply visit us at any First Tech Experience Center, or call us at 855.855.8805, and provide two forms of government ID. A parent or guardian must be present to open an account, and parent or guardian must be a joint-owner on the account. An account must be opened by a First Tech representative.

Financial wellness.

Ages 11-17

In this module, you’ll take your financial skills one step further with immersive lessons in entrepreneurship. Here we’ll cover important subjects to help you start your own business, such as making product and staff decisions, and pitching your very own business plan to potential investors.

Registration Code: ecc1c93e

Ages 8-12

In this module, you’ll play games and engage with exciting interactive content to build your financial skills. Here you’ll learn important financial lessons, like responsible money choices, and the basics of credit and borrowing.

Registration Code: ecc1c93e

Blaze’s Trail Savers

We’re here to help your children learn the basics of finances and grow their money while they’re at it. Click enroll to receive tips from Blaze and set your children up for the future.

Frequently asked questions.

How can I teach my children smart money habits?

You can teach your kids valuable financial skills by signing them up for a First Tech Start Up Savings or Start Up Checking account.


Does a parent or guardian need to be a joint-owner of the First Tech Start Up Account?

Yes, a parent or guardian must be present to open an account and must also be a joint owner on the account.


What is the minimum age limit for a First Tech Start Up Account?

The products are open to any age, as long as the child is a member. Of course, there will be certain service restrictions that apply due to the age of the child.


At what age is my child no longer eligible for a First Tech Start Up Account?

When the child turns 18, the accounts will automatically convert into one of the standard First Tech account.


Is there a minimum balance for a First Tech Start Up Savings Account?

There is no minimum balance for the First Tech Start Up Savings Account.


Is there a minimum balance for a First Tech Start Up Checking Account?

There is no minimum balance for the First Tech Start Up Checking Account.


Does First Tech have any additional resources to help my children learn about financial wellness?

Your children can use the First Tech Financial Wellness modules for immersive learning experiences.


Are there any limits to what my child can deposit in their First Tech Start Up Accounts?

On the Start Up savings account your child can earn up to 5.00% APY on balances up to $1,000. On the Start Up Checking account your child can earn up to 0.10% APY on all balances.


Are there Monthly account maintained fees on the First Tech Start Up Accounts?

No there are no monthly account maintenance fees on the Start Up Savings or Start Up Checking Accounts.


Is there a limit to how many Start up Accounts my child can have?

Yes, we limit one Start Up Checking and one Start Up Savings per child.


Can my child have both a Start Up Savings Account and a Start Up Checking Account?

Of course! We encourage you to open both if appropriate for your child's needs.


As a parent can I access the account without my child present?

As a joint owner, you will have full access to the account.


Can my child access the money in the account without a parent or guardian present? (say a 16 or 17 year old who would be able to go to the bank on their own)

If the child comes into an Experience Center with proper, state-issued ID, the representative will assist them, unless there are other account restrictions.


How can my child access the money in their account using a debit card?

If you allow your child to have a debit/ATM card, they will be able to use it.


Can I set alerts on my child's Start Up Account using Online Banking or the First Tech Mobile App?

As a joint owner, you will have access to the account and be able to set up alerts in Online.


How can I set up an appointment to get my child's First Tech Start Up Account started?

You can schedule an appointment on the website, give us a call at 855.855.8805, or stop by any First Tech Experience Center.