Smart Saver Youth Accounts

It is never too early to start saving and learning about money. An Early Smart Saver account for ages 0-4 gives you a dedicated savings account for your child to start them on the path to a bright financial future. As your child grows, so will the financial learning opportunities with our Smart Saver program.

Junior Smart Saver, for ages 5-12, makes saving and learning about money exciting with a free physical passport and fun challenges to earn stamps and cash rewards. Pick up your passport at any location when you open a Junior Smart Saver account or if your Early Smart Saver turns age 5.

Junior Smart Saver Passport Activities:

• Special Delivery Outpost ($5 reward ): Make sure all your mail goes to the right spot by confirming the email address with your Junior Smart Saver Account.
• Education Station 1 ($5 reward ): Complete the Banzai Junior course.
• Mt. Money ($5 reward ): Save $100 in your Junior Smart Saver Account.
• Dollar Bill Bluff ($10 reward ): Save $500 in your Junior Smart Saver Account.
• Savings Peak ($20 reward ): Save $1,000 in your Junior Smart Saver Account.
• Education Station 2 ($5 reward ): Complete the word search activity found in your Junior Smart Saver Passport.
• Income Island ($5 reward ): Parents complete 3 automatic transfers to the Junior Smart Saver account within 3 months for chores.

For ages 13 and under, parents will need to create a Banzai account for activity progress to be recorded.

Junior Smart Saver Passport Preview

Incentives earned are paid at the beginning of the month following the completion date. A maximum of one incentive is paid monthly. When more than one incentive reached within one month, one incentive will be paid the following month, and any additional incentives will be paid at the beginning of the consecutive months.

Prepare your kids for a healthy financial future by giving them an opportunity to practice banking and money management skills. A Teen Smart Saver can earn cash rewards and digital badges for different activities.

Teen Smart Saver Activities Include:

• Complete Banzai Teen course | $5 reward
• Complete Banzai Plus course | $10 reward
• Enroll In Online Banking | $5 reward
• Enroll In eStatements | $5 reward
• Submit A Mobile Deposit | $5 reward
• Receive Direct Deposit | $5 reward
• Open A Checking Account With Debit Card | $5 reward
• Open A CD Account | $10 reward
• Donation To Impact Fund | MACU matches up to $20 of donation

For ages 13 and under, parents will need to create a Banzai account for activity progress to be recorded.

Incentives earned are paid at the beginning of the month following the completion date. A maximum of one incentive is paid monthly. When more than one incentive reached within one month, one incentive will be paid the following month, and any additional incentives will be paid at the beginning of the consecutive months.

Your child’s membership and money journey at MembersAlliance begins with a joint savings account. From there, you can access financial education, checking accounts with debit cards (for ages 13-17), and our Smart Saver rewards program all at no additional cost to you.

• For ages 0-17
• $25 minimum deposit to open
• No monthly service fee
• Free digital banking
• Free financial education for all ages
• Gives you access to Smart Saver Program (ages 5-17)
• Yearly Smart Saver birthday gift available for pickup (ages 5-17)

Open a savings account that will grow with your child. Once your teen turns 18, the account will automatically transition to an adult membership.

Kids can start practicing real life money management skills with a youth checking account and debit card. When your child turns 18, experience a hassle-free transition to an adult account equipped with all of the skills to succeed.

• For ages 13 – 17
• No minimum deposit
• No minimum balance
• No monthly service fee
• Free digital banking
• Set up balance and purchase text alerts
• Card controls with digital banking

Kids, teens, and adults too can enjoy learning about money made fun with our free online education center Banzai! This center offers gamified learning and simulated financial experiences to make learning about money fun and memorable. Banzai! games are more than just a video and quiz. Kids and teens can explore where different money decisions take them in a fun story format.

Banzai Junior

Have a blast learning to make budgeting decisions and overcome hilarious hurdles as you run your very own lemonade stand.

Get Started

Banzai Teen

Enjoy a fun spin on making daily money decisions while completing the mission to save enough money for college registration.

Get Started

Teens can safely build real life credit management & budgeting skills using their own credit card. Easily monitor activity through digital banking and set up alerts to keep track in real time. Have peace of mind knowing your teen's credit score will not be affected while learning how to use this teen credit card. Get your teen off on the right foot with a Teen Xtreme Visa Credit Card!

Card Features

• No annual fee
• No fees on cash advances
• Purchase protection
• Card activity will not affect credit score

To Qualify Teens Must

• Be 16-17 years old
• Hold employment
• Complete Banzai Teen Financial Education Course. Activities included in the course that must be completed include:
  • Life Scenarios Activity
  • Consumer Smarts Activity
  • Banking Activity
  • Vocabulary Practice

Other Qualifications

• Parents must qualify as co-signers

Application can be taken at any location. For more information, please contact us directly at 815-226-2260 and ask to speak to a loan officer today.