Youth Checking and Savings Accounts
We believe you’re never too young to start building financial literacy.
The Perfect Way To Instill Financial Responsibility Early in Life
Because we believe in setting you up for success, we love to help younger members take the first step in building healthy financial habits. We have accounts designed for members in every walk of life—from pre-school to college.
Pee Wee Penguin Youth Savings
Teach your kids that saving money can be fun and rewarding! Members 12 or younger can earn stamps for each deposit and redeem them for cool prizes.
FYI Club Checking
A great first checking account for members ages 13 to 17 who want to learn about money management and grow their financial literacy.
FYI Club Savings
FYI Club Savings is for members ages 13 to 17. Earn high dividends and enjoy member benefits.
Get Paid To Learn About Finance—Really!
At Montana CU, we want to provide all our members with the tools they need to build a bright financial future.
For FYI Club members, we offer free access to the financial literacy app Zogo, which teaches members over 300 lessons on smart spending, money management, saving for retirement—and everything in between. Complete modules and earn real-life rewards such as gift cards.
Download the Zogo app and type in our access code MONTANACU to get started.
Pee Wee Penguin Youth & FYI Club Savings Rates
See all rates.
|
Account Name |
Minimum Required Opening Deposit |
Rate |
APY* |
|---|---|---|---|
|
*Annual Percentage Yield (APY) effective 11/2/24. |
|||
|
Account Name Pee Wee Penguin Savings |
Minimum Required Opening Deposit $25 |
Rate 0.01% |
APY* 0.01% |
|
Account Name FYI Savings |
Minimum Required Opening Deposit $25 |
Rate 0.01% |
APY* 0.01% |
FAQs
The FYI Club Checking account comes with:
- No monthly service fee
- No minimum balance requirements
- Unlimited check writing
- Up to 20 free checks upon account opening
- Free digital banking services
- Free Mastercard® debit card
- Free telephone banking
- Surcharge-free ATMs available
- No minimum deposit to open (must have $25 in Member Savings account)1
To open a Pee Wee Penguin Youth Savings account, you need:
- Birth certificate (hospital copy allowed)
- Social security card
- Child will need to sign if old enough to sign their name
- All parties on the account must be present to sign
To open a FYI Club Savings account, you need:
- Government-issued ID (if available) or birth certificate
- Social security card
- All parties on the account must be present to sign
More questions? See our full list of FAQs or contact us.
Questions About Our Youth Accounts? Contact Us
Please use the convenient form below for general questions or comments. We promise to get back to you within 24 business hours. Note: Do not send sensitive information through our contact form or via email, since these modes of communication are not entirely secure.