Start Smart Accounts

Start Smart Accounts

  • Summary
  • Fun & Games
  • Life Planning

Open a Start Smart account for your children or grandchildren while they are under the age of 18 to teach them about money management. Once they turn 18, convert* the Start Smart account so they become member-owners in UNFCU, with access to our full suite of products and services, as well as voting rights.

If you are enrolled in Online Banking, you can easily manage the Start Smart accounts you open via this secure channel:
  • Custodial Start Smart account - open a savings, share certificate, and/ or money market account(s) for your child or grandchild under the age of 18. You will manage the funds on their behalf. Your child or grandchild will not have access to the funds, but they will be listed as the primary accountholder.
  • Youth Start Smart account - open a joint savings, share certificate, money market, and/ or checking account(s) with your child or grandchild between the ages of 12 and 17. The minor will be the primary accountholder with full access to the funds in the account. He/ she can enroll in Online Banking to manage the account.

    With the Youth Start Smart account, your child or grandchild may also qualify for a debit card. Purchases made with a debit card linked to a Start Smart account are limited to five transactions and $140 per day. Withdrawals from ATMs are limited to $60 per day.

Apply for an account 
Fun & Games

Help the young investors in your family develop practical money management skills with fun games and comics developed to teach young people about personal finance:

Life Planning

Rely on UNFCU to be your financial partner at every stage of parenthood. We help you plan for the financial future of your children, giving you peace of mind at each key milestone:

* If you do not convert the account(s) by the time your child or grandchild is 21 years of age, it will be converted automatically.

Featured Rates

Savings0.20% APY
Checking0.05% APY
IRA0.20% APY
Clubs0.20% APY
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