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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.
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 service 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
- Free mailed statements for under 18
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 service 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
- Free mailed statements for under 18
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 service 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
- Free mailed statements
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.
*Primary accountholders under age 18 require an adult co-owner on the account