carter youth checking

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A strong start for student banking begins here

With our carter youth checking account, your child doesn’t just get an account — they gain real-world financial skills, with the safety and guidance you expect that will stay with them throughout childhood.

Simple and safe spending
Keep track of transactions and spending easily with a debit card.
Built-in guidance
Manage your child's money with joint-ownership and make transfers a breeze.
Access anytime, anywhere
From mobile and online to ATM and in-branch banking, our digital services are always within reach.
Your partner in financial education
Designed to empower you and your child and start building financial confidence together.

Opening a carter youth checking account is easy

Get the most out of a checking account designed for kids, teens, and students, with a low opening deposit, a debit card for everyday purchases, and easy linking to a carter youth savings account. With guardrails in place, this account has no checks or overdraft protection to help encourage mindful spending from the first dollar deposited.

  • $25 minimum opening deposit
  • Non-interest bearing
  • Debit card included
  • Easily link to a carter youth savings account

Ready to start off on the right foot?

  • Enjoy easy access to funds, seamless digital banking, and parental tools that help you monitor activity and guide money conversations.
  • Empower your child to make informed spending decisions. Plus, with our extensive library of resources, calculators,
games, and blogs to help them learn how to manage money
at an early age.
  • Smoothly shift into adulthood with an account that will continue to grow with them, transitioning into a Lifetime Free™ Checking account when they turn 18 so they can continue to bank with confidence and convenience.

FAQs

Kids, students, and teens ages 6 up to 18 are eligible to open a carter youth checking or savings account. A parent or guardian (aged 18 or older) must be present to open an account and be joint-owner of the account.

Yes, our youth accounts offer parental controls that give parents and guardians joint-account ownership and help monitor account activity and make deposits or transfers.

At this time, youth accounts can only be opened in person. If you wish to open a youth account for your child, please visit our locations page to find a branch nearest you.

When your teenager turns 18, these accounts will convert into other Carter Bank accounts. A carter youth checking account will convert to a Lifetime Free™ Checking account and a carter youth savings account will convert to a Carter Savings account. 

Yes, there are a few requirements that need to be met in order to open a carter youth checking or carter youth savings account.

Requirements include:

  • The child or teenager must be between the ages of 6 up to 18
  • Be accompanied by a parent or guardian aged 18 or older to be named as a joint-account owner
  • Acceptable forms of ID for both the child and parent 
Yes, when you open a youth account for your child and setup Online and Mobile Banking, you will have access to your child's accounts where you can monitor transactions and make transfers.

Youth accounts are designed to help kids and teens learn smart money habits. As they grow, they can look forward to unlocking additional features like Zelle®, TransferNow, and Bill Pay when they reach age 18.

Youth accounts are designed to encourage smart spending and saving habits, so overdraft isn’t included.

Youth accounts do not include checkbook ordering. However, customers can easily deposit checks into a carter youth checking or carter youth savings account anytime using Mobile Check Deposit.

Yes, both you and your child will be offered debit cards when opening a carter youth checking. This account is designed to provide convenient access to funds, allowing transactions through a debit card or in-person withdrawals.
Yes, if you or your child need a replacement card, please bring an acceptable form of ID to your local Carter Bank branch. Please reach out to your nearest branch for additional questions. 
You do not need a carter youth checking account to open a carter youth savings account, however, we recommend having both for your child, teen, or student to enjoy the maximum benefits of both accounts and easily teach your kids smart money decisions about spending and saving. 
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Carter Bank is a full-service financial institution with locations throughout Virginia and North Carolina.

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