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Child putting coin in piggy bank.

Youth Savings Club

Joining the Youth Savings Club is the first step to building a lifetime of great savings habits! This program is designed to lay the building blocks to a bright financial future, starting with our youngest customers. Children will make their way through the tiered membership levels learning the values of saving from a young age. From opening your first account, learning the basics of budgeting, or financing your first car; we are committed to helping you become an Expert Saver!


YSC Benefits

This fun and informative club is full of perks like annual birthday deposits for Early Savers, graduation gifts for Exceptional and Expert Savers, club newsletters, member parties, prizes, and promotions. Our team is standing by, ready to help you achieve your savings goals! With an opening deposit of only $10.00, it's never been easier to get started! Contact any of our local First State Bank Branches for assistance or questions regarding our Youth Savings Club.

Member Benefits

  • Savings Club Starter Kit 
  • Annual $5.00 Birthday Deposit – Early savers only.
  • Graduation Gifts for 8th, 12th, and Up – Proof of certificate is required.
  • Quarterly Club Newsletters, Member Parties, Prizes, and Promotions.

Parent/Guardian Benefits

  • Link your child's savings account to your online/mobile banking for easy monitoring
  • Set up E-Allowance to automatically deposit allowance into their savings account.
  • Give your child limited, secure access, to online/mobile banking.
  • Sign up for text alerts to get notifications on low balanced, large withdrawals, etc.
  • Parent/Guardian tips and information in the quarterly Club Newsletter.

Membership Tiers

Early Saver
  • Ages 0 -12
  • Basic Financial Education
  • Adult Joint Owner Required
  • Annual $5.00 Birthday Deposit
Exceptional Saver
  • Ages 13 -19
  • Intermediate Financial Education
  • Qualify to Open Checking Account
  • Graduation Gift for 8th & 12th Grade
Expert Saver
  • Ages 20 -24
  • Advanced Financial Education
  • Special Lending Offers
  • Post Secondary Graduation Gift

All standard account opening guidelines apply. Joint owner required on accounts with owners under 13 years old. No monthly service fees or minimum account balance required. Must be under the age of 18 at account opening. Minimum opening balance of $10.00 required. When account owner turns 25, the terms and structure will automatically convert over to a Standard Personal Savings Account. Club benefits are limited to one account per customer. Membership eligibility and product restrictions apply and are subject to change.

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