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Youth and Teen Accounts

Smart money habits start here

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Start Smart. Grow Confident.

From first savings goals to managing a debit card, our youth accounts help young members build real-world money skills with support from parents and guidance from Community Focus. 

Kingsley Kids Club Account

  • Designed for kids ages 0–12
  • Just $5 to open
  • No monthly fees
  • No minimum balance

Fast Track Teen Account

  • Designed for teens ages 13–17
  • Fee-free checking
  • No monthly fees
  • No minimum balance
  • Parental controls with real time alerts and instant card controls
  • Zero overdraft – safe, budget-friendly spending

Built for Every Stage of Their Financial Journey

Whether they're saving their first dollars or learning to manage a debit card, our youth accounts provide the tools, guidance, and education to help them build lifelong money skills.

Designed for Parents. Built for Kids.

Parents appreciate:

  • Safe and secure accounts
  • No monthly fees
  • Easy money transfers
  • Mobile banking access
  • Local support when questions arise

Kids and Teens Grow Financially

They enjoy

  • Their own debit card (for ages 13 and up)
  • Mobile banking tools
  • Learning how money works
  • Building confidence with spending and saving

Financial Education

  • Saving basics
  • Smart spending
  • Budgeting skills
  • Building credit for the future

Banking Made Easy for the Next Generation

  • Card Controls

    Freeze or unfreeze your card anytime with a quick tap in the app.

  • Free Digital Banking

    Bank in your pajamas—check balances, pay bills, and move money anytime.

  • Mobile Deposit

    Deposit checks in seconds by snapping a photo in our mobile app—no branch visit needed.

What Our Members Say

"I want my kids to start learning early how to save and manage their money in a smart way. So, I opened the Kingsley Kids Club accounts for them. Best 25 cents ever spent!" Elizabeth P., Community Focus FCU Member

FAQs

A parent, grandparent, or legal guardian can open the account.

Simply visit one of our Community Focus FCU branches during normal business hours.

You’ll need two forms of ID (birth certificate and social security card for the Kingsley Kids Account and a photo ID and a social security card/or birth certificate for the Fast Track Teen account).

Just $5 deposit s needed to open a youth account. Plus, $0.25 membership fee to get the membership started. 

Yes! Parents, grandparents, or other family members can make deposits or even set up automatic contributions.

Parents can send money instantly through Zelle® in our mobile or online banking—perfect for birthdays, allowance, or babysitting pay.

No. Youth accounts are fee-free with no minimum balance.

Yes. All funds are federally insured by the NCUA up to allowable limits.

Give Them a Strong Financial Start

Open a youth account today and help your child build smart money habits that can last a lifetime.

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