Youth Banking: Checking and Savings Account Options for Kids & Teens

Our youth accounts make it easy for ages 10-17 to start saving, spending and learning smart money habits with support from parents.
Open Youth Account

NEW! SmartSpend Checking™

We get it. Handing over that first debit card is a big step. But in today’s increasingly cashless world, it’s often a necessity. That's why we created SmartSpend Checking™, available to ages 10-17 with a parent or guardian. It gives your child real-world spending experience, with the safeguards you need for peace of mind.

  • Real-World Practice, Zero Risk: With no overdraft fees, monthly fees1 or minimum balances, they can learn the ropes without any costly “oops” moments. If the money isn't there, the transaction simply won’t go through.
  • Debit Card With Parental Controls: They’ll get their own free contactless Visa® debit card for easy tap-to-pay purchases. Plus, you can set spending limits and lock or unlock their card anytime using Parental Controls.
  • Hands-On Learning: Whether they are a earning their first allowance or their first paycheck, it’s the smarter way to manage money together.

Open SmartSpend Checking



Start Saving!

It’s time to upgrade from the piggy bank. Whether they’re saving up for a new pair of sneakers or for college, keep their money secure and easy to access with a VIP Savings account. Open with as little as $5. Ages 10-12 can open a savings account in branch, and ages 13-17 can open in branch or online with a parent or guardian.

  • Earn 0.05% APY2 on balance 
  • ATM card available for convenient cash withdrawals at 34,000+ in-network ATMs
  • Easily mobile deposit checks with our app

Open Savings Online

Find a Branch

Teach Your Kids Smart Money Habits

Give your kids the tools to learn, practice and manage money with features in Digital Banking:

  • Online Learning Center: They can take bite-sized courses on topics like budgeting, saving and paying for college.
  • Financial Wellness: Track spending, set savings goals and build healthy financial habits together.
  • Set Up an Allowance: Schedule one-time or recurring allowance payments to reward hard work and teach money management.

Parental Controls

Get total oversight and total peace of mind. Our youth checking and savings accounts include Parental Controls over their debit card that give you real-time visibility, customizable spending limits and added security – all from our mobile app.

  • Lock and Unlock Their Card

    Misplaced debit card? No problem. Instantly lock or unlock their card right from our app.

  • Keep an Eye on Spending

    Set custom spending limits and review transaction history in real-time. You’ll always know exactly where their money is going.

  • Instant Alerts

    Stay in the loop with real-time alerts. Get notified the moment they make a purchase, big or small. You set the rules.

  • Manage Merchant Categories

    Want them to spend money on gas but not late-night gaming? You can restrict purchases to specific merchant categories.

  • Location Limits

    Set geographic boundaries so their debit card only works in the areas you approve.

Account Features by Age

Ages 10-12

Visit a branch to open a checking or savings account.

  • Debit card with Parental Controls (checking only)
  • ATM card (savings only)
  • Digital Banking access
  • Mobile deposit
  • Direct deposit

Open at a Branch

Ages 13-17

Open a checking and savings account online or at a branch.

  • Debit card with Parental Controls (checking only)
  • ATM card (savings only)
  • Digital Banking access
  • Zelle®
  • Mobile deposit
  • Direct deposit

Open an Account Online

Open at a Branch

Requirements to Open a Checking Account

  • Joint Account Ownership
    A parent or legal guardian is required to be a joint owner until the age of 18.3

    ID Requirements for Branch Account Opening
    Open at a branch with any one of the following photo IDs:
    • Current driver’s license* or state-issued photo ID
    • School ID
    • Passport

    Find a Branch

    *We cannot accept the paper receipt that the DMV issues for you to use while you wait to receive your license or ID card in the mail; we will require the plastic ID card.



  • Joint Account Ownership
    A parent or legal guardian is required to be a joint owner until the age of 18.3

    ID Requirements for Online Account Opening
    Two forms of ID are required. Acceptable forms of photo ID include one of the following:
    • Current driver's license* or state-issued ID
    • School ID
    • Passport
    Plus, one of the following:
    • Birth certificate
    • Social Security card

    Open Account Online

    ID Requirements for Branch Account Opening
    Bring any one of the following photo IDs:
    • Current driver’s license* or state-issued photo ID
    • School ID
    • Passport

    Find a Branch

    *We cannot accept the paper receipt that the DMV issues for you to use while you wait to receive your license or ID card in the mail; we will require the plastic ID card.

Getting Started is Easy as 1-2-3!

Ready to help them open their first checking account? Here is how to get them started on the right foot.

Open Online

Find a Branch

  • Apply

    Open the Account Online or at a Branch

    Children ages 10-17 will require a parent or guardian to open their account, and account openings for ages 10-12 must be done at a branch.

  • Register

    Set Up Parental Controls

    Set limits on their account through Parental Controls in Digital Banking.

  • Let's Go!

    Real-World Practice Starts Now

    Your child can start using their card to build smart habits. Whether they’re saving for a goal or managing their first paycheck, they’re learning to navigate a cashless world under your guidance. 

Explore More Checking Options

While SmartSpend Checking™ is our top pick for a first account, we offer a full range of options to match your child’s progress. If they’re ready to earn rewards or dividends on their balance, explore our other checking accounts to find their perfect fit.

VIP Checking

Premium Checking

Rewards Checking

Earn 0.05% APY on balances $2,500 and higher4

Earn 7.50% APY on balances up to $5005

Earn rewards like gift cards, travel and merchandise6


Open Youth Account

Frequently Asked Questions

Open Youth Account
  • To access your child's statements, your child will need to enroll in eDocuments through their Digital Banking account. Note: You will not be able view their statements in your own Digital Banking account as the parent or guardian.

    Use these steps to enroll in eDocuments:

    Set up eDocuments Through Digital Banking
    • Log into Digital Banking.
    • Locate "Accounts" in the top navigation.
    • Select "Statements and Documents."
    • Select "Subscribe."
    • Review and accept the user agreement.
    • Click the "Subscribe" button.
    Set up eDocuments Through the Mobile App
    • Log into the Landmark app on your phone.
    • Tap "More" in the bottom navigation.
    • Tap "Accounts."
    • Tap "Statements and Documents."
    • Tap "Settings" in the upper-right corner.
    • Tap "Subscribe" in the upper-right corner. Review and accept the user agreement.
    • Tap "Subscribe" in the upper-right corner.
  • You can set up Parental Controls using the following steps:
    1. Navigate to Card Management in Digital Banking.
    2. Enter your child’s debit card number. Complete the multi-factor authentication, when prompted.
    3. Now you can lock/unlock you child’s card, set spending limits and more.
    1. Log in to Digital Banking (your account as the parent or guardian).
    2. Navigate to Card Management in Digital Banking.
    3. Enter your child’s debit card number.
    4. Complete the multi-factor authentication (note: this will go to the child’s email or mobile phone number), when prompted.
    5. Now you can lock/unlock you child’s card, set spending limits and more.

  • Ages 13-17

    If your child is 13 or older, you can open a checking account and/or savings account online,or at any branch.


    Ages 10-12

    If your child is 10-12, please visit a branch to open a checking and/or savings account.

    ID Requirements for Branch Account Opening
    Bring any one of the following photo IDs:
    • Current driver’s license* or state-issued photo ID
    • School ID
    • Passport ID
    Requirements for Online Account Opening
    Two forms of ID are required. Acceptable forms of ID include:
    • Current Wisconsin driver's license* or state-issued ID
    Plus, one of the following:
    • Birth certificate
    • Social Security Card
  • Once your child turns 18, they will gain access to additional Digital Banking features, including Card Management, Credit Hub and Bill Pay. 

[1]
eDocuments are free for all accounts. Monthly paper statement fee is applicable to SmartSpend CheckingTM accounts for primary account holders age 23 and older and who are not enrolled in eDocuments.
[2]
APY is Annual Percentage Yield. APY is variable and subject to change. APY is accurate as of 4/2/2026. Fees may reduce earnings.
[3]
For the parent or guardian to be removed from account at age 18, both parties will need to visit their local branch and sign a joint owner release form. Co-owner is required for all online youth account applications.
[4]
Interest is paid in the form of dividends. APY is variable and subject to change. APY is accurate as of 04/06/2026. Dividends are paid on the entire daily balance whenever it is $2,500 or more. Minimum deposit required to open a checking account is $35. Fees may reduce earnings.
[5]
Premium Checking base rate is 0% APY. Premium Checking Accounts with eDocuments (valid email address required) and direct deposit earn 7.50% APY on balances up to $500. The APY on balances over $500 may range from 7.50% - .06% depending on the account balance.APY is variable and subject to change. APY is accurate as of 4/2/2026. Direct deposit is defined as a minimum of $250 per month in regular periodic deposits from an employer, payroll provider, gig economy payer (e.g. Door Dash, Uber, Postmates), pension or government benefits provider deposited into your Premium Checking Account via the ACH system. Transfers from other Landmark accounts, ACH transfers from other financial institutions, peer-to-peer payments (e.g. Venmo, PayPal), merchant transactions (e.g. Stripe, Square), and mobile check deposits do not qualify as direct deposits. One Premium Checking Account per member. Minimum deposit required to open a checking account is $35. Fees may reduce earnings.
[6]
Earn 1 point for every $2 in signature-based debit card purchases. Points will be earned based on your qualifying net purchases (purchases minus returns and/or other related credits). You do not earn points for unauthorized or fraudulent charges or for fees of any kind on your card account. Minimum deposit required to open a checking account is $35.