Youth Checking Accounts
Set your child on the right course at the beginning of their financial journey with our Everyday Checking Account, which is now available to everyone.
Open the door to smart money management for children by teaching them how to spend and save wisely while you monitor the account together with them.
This youth checking account makes it easy to start saving early while learning skills that will last a lifetime. Set up an account online and show your child the power of great money management.
Benefits of Opening a Youth Checking Account:
Financial Education
Help your child develop invaluable money management skills early in life.
No Monthly Fees
Take advantage of special features without having to worry about monthly maintenance costs.
Flexible Deposits
Contribute as many funds as you please to your child’s account.
Federally Insured
The NCUA provides up to $250,000 of insurance per account.
More Youth Checking Account Details
Folks from the Birmingham, Alabama area are both savvy and practical—which is why Legacy’s Youth Checking Account is so popular.
With no minimum balance requirements and no monthly fees, these accounts are designed to help your child grow their money faster.
Our Everyday Checking Account also includes free standard features like Digital Banking, eStatements, Bill Pay, and Mobile Pay. While children 12 years old and younger can keep a youth checking account with us, we only provide Instant Issue Debit Cards to account holders who are 13 years and older.
With convenient round-the-clock access to the account through our digital banking platform, you can monitor your child’s funds any time of the day or night.
Open a Kids Checking Account at Legacy Credit Union in a Snap!
Apply Online
Simply click on the button below to begin the application process.
Add Your Information
Enter your personal information and financial details in our secure online portal.
Start Banking!
Set up deposits or payments while monitoring account activity remotely.
★★★★★
“The people there are nice and professional. I’ve banked there since nineteen eighty nine.“
– Octavia B., Birmingham, Alabama
FAQs About Our Youth Checking Accounts
Anyone who lives, works, worships, or attends school in Jefferson, Shelby, Blount, St. Clair, Walker, Chilton, and Bibb counties surrounding Birmingham, Alabama is eligible for membership.
This account has no monthly fees or minimum balance requirements, making it an ideally cost-effective option for young people.
No. They will need a parent or legal guardian over 18 years of age to open an account on their behalf. However, once your child reaches the age of 18, they can take full advantage of the benefits of being a Legacy Credit Union member on their own.
Yes! You can easily view and manage your child’s account online and monitor their progress.
Visit our dedicated rates page to view the most current interest rates and APY details across all account types. However, our Youth Checking Account does not earn interest, because it was designed to be a practical tool for teaching kids about money management.
Opening a youth checking account early in your child’s life helps them develop a lifelong habit of saving, sets them up for financial success, and teaches them the importance of financial responsibility.
Reach Out to Legacy Credit Union Today:
More Savings Options
Share Savings Account
Just $5 is all it takes to open this savings account. Earn competitive interest while enjoying no monthly maintenance fees and 24/7 online access.
Everyday Checking
This standard checking account is the workhorse of your everyday financial transactions. It comes with a debit card, and no maintenance or monthly fees.
Engage Checking
The more you’re engaged—the more you can earn. When you meet our monthly qualifications you can earn up to 2.00% APY* on balances up to $15,000.