Make an Appointment

Teen Checking Account

Smart Money Management Skills For Life

As your teen begins to learn to drive, plan for college, and start to earn their own money, Opening a First Source Money Manager Checking Account can teach them greater financial responsibility and independence.

Teenage boy working as supermarket cashier.

For your child to open their Money Manager Checking Account, they must meet the following requirements:

  • Be at least 13 years old

  • Have a parent or legal guardian as a joint Member on the account

Debit Card Access

One of the biggest and most exciting steps is when our teen Members get their first debit card. Upon opening their Money Manager Checking Account, they can have a First Source VISA® debit card.

Understandably, your teenager wants to feel independent. We’ve all been there. That is why we take great care in helping them understand that owning a debit card is not free money. It is their money, and must be available to access when they swipe their card. First Source can help to educate them on smart savings and spending habits. Through the ongoing educational lessons and programs we offer, your teen can learn responsibility before, and while using their new card. Our personal approach and attention is one of our proudest practices and a great benefit to opening their Money Manager Checking Account.

Access To Online Banking And Our Mobile App

Kids are generally on point when it comes to using technology, and the First Source mobile banking app for iphone and Android is an ideal way for them to manage their money. It offers the ability to check balances, transfer funds between checking and savings accounts, view statements electronically, and access card controls to block or unblock their card.

Other electronic services can be accessed for this acoount by the adult joint owner. On behalf of the youth, they can deposit checks, send personal digital payments, and pay First Source teen credit cards or auto loans if applicable.

This is a great way for our youth members to gain some financial freedom, while giving the adult joint member on the account, the ability to monitor transactions.

Live Smarter

We’re here to support your efforts to help your kids Save Smarter.


If you’re not ready to apply for a Money Manager Checking Account, and have questions, we are here to help. Call 315-735-8571 to discuss any questions you may have or make an appointment with one of our friendly and knowledgeable representatives today.

Make An Appointment

Interested In Learning More?

To see what other tools and services we have available for our young Members, visit our Youth Accounts overview page.

Let’s Get Started

We look forward to helping you.

Apply Now

Want your savings to work harder?

Check today’s share certificate rates effective April 14, 2024

Term Dividend Rate APY*
6 Months
$500.00 minimum balance to earn dividends
4.41% 4.50%
12 Months
$500.00 minimum balance to earn dividends
4.41% 4.50%
24 Months
$500.00 minimum balance to earn dividends
3.93% 4.00%

Share rates and yields are subject to change without notice. Early withdrawal penalties may apply. Fees may reduce earnings.
*APY – Annual percentage yield