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Become a Money Ninja
It’s not your house. It’s not your car. It’s not even really your phone. It’s the time in your life when you start to realize that most of the stuff you have isn’t actually yours. But with Ardent’s Cash and Stash accounts, you have the power to manage your own money and make your own decisions – along with some good advice about how to make the most of what you’ve got. Before long, you’ll be a money ninja.
Learn the money essentials.
Develop good money management habits.
Use tech to stay close to your money.
Ninja Training App
Think you have what it takes to know money? Show what you’ve got with our free Money Ninja Training mobile app. You’ll learn about important financial topics, including saving, spending and making money, compound interest, budgeting, taxes and more. These topics are covered in short videos with content customized for your age. Then, pass a challenge after each video to earn your Money Ninja Certificate.
Here's how it works:
- Download the free Ardent Money Ninja Training app to your smartphone or tablet (Under 13? You’ll need a parent or guardian to register.)
- Create your ninja profile so we can pick the topics relevant to you.
- Starting at level one, watch the video and complete the quiz challenge.
- Beat all six levels of Ninja Training to get your certificate.
- Bring your Money Ninja certificate to any Ardent location and collect a prize!
Bonus challenge: Take what you’ve learned during your Ninja Training and practice it in real life with your own account. Check out our spending and savings accounts below!
Download the app and start your training
Become a Money Ninja by searching for “Ardent Money Ninja Training” in the Apple App Store or Google Play or use the buttons on this page to download the free app.
Training Videos
Cash Account
This is where your money gets real.
A spending account that’s one giant step toward adulting.
Features & Benefits
- Exclusively for earners ages 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 your card, set spending limits and get alerts
- 24/7 access to accounts with eBanking by phone, tablet or computer
- In-person transactions at any Ardent branch or Shared Branching locations
- Comes with a Stash Account that earns interest
- Free mailed statements for under 18
Stash Account
This is where your money goes to grow.
A savings account that pays you to tuck it away for the future.
Features & Benefits
- Exclusively for savers ages 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 locations in the Shared Branching network
- Pair with the Cash Account for spending
- Free mailed statements for under 18
Rookie Account
A great head start to a bright future.
Features & Benefits
- Exclusively for savers ages 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
- In-person transactions at any Ardent branch or locations in the Shared Branching network
- Free mailed statements
For Parents
It’s like riding a bike or crossing the street. None of us is born knowing how to manage money. But if we don’t learn to do it the right way while we’re still young, there can be consequences later in life. That’s why Ardent is committed to helping young people – and the adults who love them – start the conversation about money.