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:
Apply for an account
- 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.