First Step Checking
A smart first step towards financial independence.
Introducing First Step Checking — a checking account designed for teens ages 13–17, with a parent or legal guardian as joint owner. It’s the perfect way to help young account holders learn smart money habits while enjoying convenient banking tools and everyday access to their funds.
Built for Teens. Backed by Parents.
Whether it’s receiving allowance, managing spending money, or learning how to budget, First Step Checking gives teens a safe and simple introduction to banking with parental guidance built in.
Account Features
- Just $25 to open
- No monthly service charge until age 18
- Free debit card (with parent/guardian approval)
- Free Online Banking
Start Building Good Financial Habits Early
First Step Checking helps teens gain confidence managing money while parents stay involved every step of the way. No overdraft privilege.
Perfect for:
First jobs
School activities
Allowance management
Learning budgeting basics
Everyday spending
Open an Account Today!
Help your teen take their first step toward financial confidence with a checking account designed just for them.
Visit your nearest branch or contact us today at 256-362-2334 to learn more about First Step Checking.
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