Youth Banking

Youth Banking

Start early and the sky's the limit!

Take saving to new heights with Ent Youth Accounts. It's a great way for kids to gain the benefits of savings, even small amounts. 


Account Options


Free Student Checking1

(for ages 15-26)

  • No minimum balance
  • Free Visa® Debit Card
  • 4 free non-network ATM transactions each month

Youth Savings

  • Only $5 minimum balance required
  • Ages 0-12: Star Savers program
    • Recognition for $500 in savings
  • Ages 13-17: Galaxy program
    • Recognition for $1,000 in savings
  • Periodic deposit sweepstakes

Youth Certificate2

  • Earn an above-market rate
  • $500 minimum balance
  • 12-month term
  • Available to members up to age 18


Youth accounts also qualify for Ent Extras!

With Ent Extras Savings & Ent Extras Checking earn up to:
  • 6.00% APY on your first $500 ADB in Ent Extras Savings*
  • 4.00% APY on your first $500 ADB in Ent Extras Checking*
  • $700 in Ent Extras Owner Rewards (paid in January 2021)
  • Plus all the benefits of a Youth Savings (see above)


If you are under 18 years of age and don't have a checking account, it's okay! Your savings account can still qualify for Ent Extras.


Opt in to Ent Extras early. The sooner you get started, the sooner your cash starts to add up.
  • Current members: Log in online, visit an Ent Service Center or give us a call at 800-525-9623 or (719) 574-1100 to opt in existing accounts to the program.
  • New members or new accounts: Open your new savings and checking accounts and then opt in each account to the Ent Extras program by using online banking, visiting an Ent Service Center or calling us at 800-525-9623 or (719) 574-1100.


Open your Youth Account in person at any service center or by calling us at
(719) 574-1100 or 800-525-9623.


For all youth accounts, a parent or legal guardian must be a joint owner on the account, and we will ask for your child’s Social Security number at account opening. 

Please review Ent’s Children’s Privacy Pledge for more information.

Account qualifications apply. Please review Ent’s Important Account Information and Fee Schedule for additional information.

Per government regulation: A maximum of six (6) transfers or withdrawals can be made from your Savings or Money Market Savings account per calendar month. This includes checks, online banking transfers, ACHs, scheduled transfers and triggered overdraft transfers.

*APY – Annual Percentage Yield.
APY is calculated based on an average daily balance. View Ent Extras Additional Program Information for full details.
For members under 18, an Ent Extras Savings account will earn 5.84% and Checking account 3.93% dividend rates on the first $500 average daily balance and the current dividend rate on any balance over $500. To earn this rate, a minor must opt in their Ent Savings and Ent Checking accounts. Members under 18 are not required to complete five (5) debit or credit transactions each month in their checking account in order to qualify for Ent Extras. If a member under 18 only has an Ent Savings account, they do not need to open a checking account to qualify for Ent Extras.
Ent Extras Owner Rewards are based on a cumulative average of the monthly average daily balance up to a cap of $350,000 resulting in a maximum payout of $350 on deposits and $350 on loans at the .10% payout rate.
Restrictions apply. Program may be changed or terminated at Ent’s sole discretion. 

1To open a checking account and receive a debit card you must have a parent/guardian as a joint owner on the account.

2Youth Certificate is a 12-month certificate, for Ent members under 18 years of age. Visit for current rate information. $500 minimum deposit. A penalty may apply for early withdrawal. Certificate products are available as Traditional IRAs, Roth IRAs, Coverdell ESAs, and HSAs. Certificates automatically renew at the current non-promotional rate and term upon maturity. Dividends are paid from current income and available earnings after required transfers to reserves.