Join Us on April 19, 2022, for Our Annual Meeting & Board of Directors Elections

Youth Checking

Put your child on the right financial path with a Wellby Achievement Card or Early Start Card.

Banking Together Has Never Been Easier

Our youth checking accounts are ideal for the family who knows it’s never too early to prioritize financial well-being. The Wellby Early Start Card (kids age 6–12) and Wellby Achievement Card (teens age 13—17) grant access to a linked checking account jointly owned by a parent or guardian.

  • An excellent option for families. With a $0 monthly service fee, your child will be set up for a successful financial future with no hidden fees.
  • Joint ownership means each account is opened jointly with a parent or guardian 18 years or older and allows full access to the youth account.
  • Low initial deposit means your child can start their checking account with no minimum balance required after opening.

Help Your Kids Learn to Manage Their Money

Build good money habits with hands-on learning by receiving account notifications, transaction alerts, and balance statements so you can build and monitor their budgets together. 

Parental Monitoring and Controls

Monitor your child’s checking account alongside your primary accounts directly from the Wellby mobile app or online banking portal. Set account notifications and alerts so you can track transactions to prevent overspending and develop healthy financial habits. 

Transferring Money is a Breeze

Want to add their birthday money or allowance directly into their account? You can quickly and easily transfer money directly into your child’s checking account from one of your primary accounts right from your phone or online. 

Mobile-Friendly Access for Your Child

Your child’s mobile device can help them build healthy financial habits through easy-to-use account monitoring. Checking their balance, budgeting, and tracking savings goals is easy with access to our mobile banking app. Our mobile app also grants access to their digital wallet allowing teens who are on the go full access to their funds even if they forget their card at home. 

Contactless Visa™ Debit Card

Your child’s account will come with a contactless Visa Debit Card, so they can access their funds for day-to-day transactions. Their card also gives them access to 55,000+ fee-free ATMs while still providing the fraud recovery and security you expect from a standard Wellby Checking account.

Compare Checking Accounts

ProductWellby SpendingWellby Spending PlusWellby Secure SpendingWellby Achievement CardWellby Early Start Checking
Initial Deposit$25$25$25$10$10
Monthly Fee$0$10/Free*$6/Free$0$0
Debit Card
Online Bill Pay
Overdraft Service
ATM Services
Identity Theft Recovery
Expanded Identity Theft Protection & Mobile Phone Coverage*

Wellby Early Start Checking

Wellby Achievement Card


Wellby Early Start Checking

BalancesDividend RateAnnual Percentage Yield (APY)Minimum Opening DepositMinimum Balance to Earn APYMinimum Balance to Avoid Service FeeDividends CompoundedDividend Credited









Ready to Start Their Journey to Better Banking Habits?

Build your child or teen’s real-world money managing experience today. Applying online only takes a few minutes.

Youth Checking Accounts FAQs

Learn how a Wellby Early Start Card or Achievement Card can help put your child or teen on the path to financial well-being.

Learn More

Common Questions

How do I apply for a Wellby youth checking account?
Does the Wellby youth account come with account monitoring?
Can I manage my Wellby youth checking account online?