Youth Accounts


M3 Money Club, through our partnership with BALANCE.  We’re dedicated to helping raise the next generation of money-smart members. Through the M3 Money Club, kids ages 7 to 12 will have access to an interactive website full of kid-friendly financial content, quizzes, comics and more!

Your kids will join superheroes Cash and Violet in adventures to stop the Evil Dr. Spendit. As M3 cadets, they’ll learn valuable skills needed to make smart money decisions. And they’ll have tons of fun doing it. There’s even a section for parents with tips on teaching children about money.

Membership features for up to age 12:

  • Share Certificate rate bonus based on member’s age
  • Access to shared branching and mobile apps so parents can easily help manage accounts
  • Club Accounts to save for gift giving

Elements of Money, through our partnership with BALANCE.  You want to help your teen grow into a financially responsible adult – we do too!  Elements of Money is an interactive website designed especially for teens to help them better understand the many options they have as financial consumers. Content resources include monthly podcasts, financial articles, videos, social media, apps, education modules, and quizzes.

Membership Features for ages 13-22:

  • A no minimum balance, no monthly fee youth checking account
  • One free box of checks per year
  • ATM card for ages 13-14
  • Debit card with no annual fee for ages 15 and up
  • Share Certificate rate bonus based on member’s age