Youth Accounts

Money Ninja training starts here

What most kids know about money wouldn’t fill a piggy bank. Even worse, most teens enter adulthood without any hands-on money management experience.

That’s why Ardent Credit Union created accounts for kids. A Cash Account for spending. A Stash Account for saving. Both accounts give teens a chance to practice good financial habits under your watchful eye. A debit card, ATM refunds and mobile banking are all included.

Plus, there are short, educational (and fun) videos on to fill the gaps in their financial knowledge. All of it building a solid foundation in smart money management before they get to adulthood.

It’s never too early—or too late—to learn the ins and outs of managing your own money. Get your kids started today.

Have questions? Tell us how to reach you.

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Cash Account

This is where their money gets real.

A spending account that’s one giant step toward adulting.

Features & Benefits

Exclusively for earners age 13 to 26*
No monthly fee
No minimum balance
ATM refunds up to $12 each month
Free debit card to make purchases or get cash
Smartphone app to control the debit card, set spending limits and get transaction alerts
24/7 access to accounts with eBanking by phone, tablet or computer
In-person transactions at any Ardent branch or locations in the Shared Branching network
Comes with a Stash Account that earns interest
Open online or in branch

Open a Cash Account

Stash Account

This is where their money goes to grow.

A savings account that pays them to tuck it away for the future.

Features & Benefits

Exclusively for savers age 13 to 26*
No monthly fee
No minimum balance
Pays high rate of interest on three tiers – the more you save, the more you earn
24/7 access to accounts with eBanking by phone, tablet or computer
In-person transactions at any Ardent branch or location in the Shared Branching network
Pair with the Cash Account for spending
Open online or in branch

Open a Stash Account

Rookie Account

Give them a great head start to a bright future.

A savings account for our youngest money ninjas.

Features & Benefits

Exclusively for savers age 12 or younger*
No monthly fee
No minimum balance
Pays high rate of interest
24/7 access to accounts with eBanking by phone, tablet or computer for joint owner
In-person transactions at any Ardent branch or location in the Shared Branching network
Open at any Ardent location

Visit a Branch to Open

Free resources to learn the fundamentals

At ardentmoneyninja.com, our free educational (and fun) videos provide no-nonsense financial advice for kids and young adults as well as tips for parents on how to talk to kids about money. The videos give kids the knowledge they need to succeed, while our youth accounts provide a chance to practice what they’ve learned in the real world. Think of it as training for the major leagues of #adulting.

View our Video Library

*Primary accountholders under age 18 require an adult co-owner on the account