Youth Banking for Parents

Good financial habits start young

Start teaching them money skills that will last a lifetime with our youth banking products. You can take the first steps on their financial journey with them — and we can help you along the way.

Simply Free Student

A checking account designed to help first-time accountholders develop money management skills for smart spending and budgeting.

Designed for ages 25 and under

No minimum opening deposit required

No monthly maintenance or activity fees

$10 credit¹ when paired with a savings account and enrolled in RoundUp

Open an Account

Simply Savings Student

A savings account designed to give first-time savers a place to store their funds, learn about interest, and plan for their future.

Designed for ages 25 and under

Earn interest

No maintenance fee

Open an Account

Bundle Checking & Savings

Save time and open both Simply Free Student and Simply Savings Student! Plus, you can enroll the account in RoundUp to automate savings (and earn a bonus).

$10 RoundUp bonus¹

Easier account-to-account transferring

Acheive your savings goals faster

Open Bundle

Opening and managing your child’s account

Select your account type

Choose whether you want to open a checking account, a savings account, or both.

Start the application

Once you’ve decided on the account(s), it’s time to start the application process. If you’re an existing customer, you’ll use your UBTgo credentials to fill out the application. If you’re a new customer, you’ll need to set up a UBT profile before you apply. Need help? Click here.

Gather important information and open the account(s)

You’ll need your Social Security number and government-issued ID, and you’ll need your kid’s Social Security number as well. If you would like your child to have their own UBTgo credentials, you’ll need to enter a different email address for your child when prompted.

Read some tips on account setup

Once the account is opened, help them get the most out of it by following these best practices.

Learn how to move money to and from their account

You’ll also want to make sure you know how to help them make withdrawals and deposits into their account. Click here to learn more.

Our People Make the Difference

At UBT, your money has people

We’re a family-owned bank that cares about our customers, the communities we serve, and each other. In addition to our youth banking accounts, you’ll find all the financial services that make your life easier, backed by real people (like Katie) who really care.

Find a Banker

Resources for navigating money with kids

Kids and money

Read through a crash course of tips and resources curated to help you teach your kids valuable money lessons in an age-appropriate manner.

Checking accounts

Learn which factors to weigh when considering if your child needs a checking account.

College savings

Review which college savings plans are out there for your family to choose from.

Summer jobs

See the best ways for your child to earn money, broken out by age groups.

Building their credit

Discover how you can set your child up for success by helping them build their credit.

Youth Banking Newsletter

Good financial habits start young

Sign up for our Youth Banking Newsletter to help teach your child about money! Delivered right to your inbox, it’s full of fun tips, games, resources, and insights to help guide your child on their financial journey.

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Let's Chat

Get help from a real person

Sophia Luzum

Personal Banker

Email Sophia Call Sophia