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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 developed our suite of youth resources - our Money Ninja Academy - to help parents prepare their kids for financial success.
1. Youth Accounts
It all starts with our specially designed youth accounts, which give kids real world practice developing good financial habits - under your watchful eye:
2. Money Ninja Training App
Level up their skills with our free Money Ninja Training app, which delivers engaging video lessons and quizzes to turn essential financial knowledge into ninja-level skills. Learn More about Money Ninja Training App.
3. Video library
Fill gaps in their knowledge with our large library of short, educational (and fun) videos with characters they'll recognize from the app.
4. Follow ardentmoneyninja
Follow ardentmoneyninja on Instagram and TikTok for quick tips and easily digestible information in a format teens understand - so they get the facts without any pushy sales tactics.
Together, all of these tools form our Money Ninja Academy, where we build 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 money. Start their training 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 surcharge 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
Money Ninja Training app
This FREE app is designed to help kids aged 6-19 have fun while learning essential money skills. For kids who want to become Money Ninjas, here’s how the app works:
- Register and create their Money Ninja profile (Kids under 13 will need a parent to register)
- Training consists of six fun cartoons on important money topics for their age, each followed by a short quiz to test their knowledge.
- Kids complete six levels of training to earn their Money Ninja Certificate
Download the app for free from the Apple App Store and Google Play Store . Available for phone and tablet.
Kids' microsite: ArdentMoneyNinja.com
At ardentmoneyninja.com our free educational (and fun) resources provide no-nonsense financial advice for kids and young adults as well as details for all our kids accounts. Think of it as our Money Ninja Training dojo.
*Primary accountholders under age 18 require an adult co-owner on the account
