FDIC-Insured - Backed by the full faith and credit of the U.S. Government
Teach your child the basics of banking, while supporting their school. For minors 8-17 years of age.
Applications may be submitted online for minors 13-17 years of age. For minors 12 years and younger, applications must be submitted at a local branch.
Enroll your child in a Spirit Checking account, so they can start preparing for their future.
Visit one of our convenient locations to open your Spirit Checking today!
Learn about our Youth Savings account for ages 17 and younger.
All accounts require a $50 minimum opening deposit.
*Inactivity Fee: $5 (monthly fee assessed if inactive for 90 days and the balance on the last day of the statement cycle falls below $200)
For minors, ages 8 through 17 years old. Co-ownership of a family member over the age of 18 is required at the time of account opening. Account must be opened without right of survivorship and no payable on death beneficiary. At the age of 18 the account will convert to a Classic Checking account. At that time, you will have the option to add right of survivorship or designate a payable on death beneficiary. This account is not eligible for Overdraft Privilege.
Applications may be submitted online for minors between 13-17 years of age. For minors 12 and younger, applications must be submitted at a local branch.