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Youth Savings

 

Stop by your local branch to set your child up for future financial success. 

Big Lessons Start with Small Savings

Good money habits start early, and we’re here to help our youngest Neighbors build a strong financial foundation. With a Youth Savings account, kids learn the value of saving, setting goals, and watching their money grow. Parents and guardians can stay involved every step of the way, helping their child build smart financial habits that will last a lifetime. After all, big dreams start with small savings.

  • Available for children up to age 18; automatically rolls over to a Heritage Regular Savings account
  • $5 minimum deposit to open 
  • A legal adult is required as a joint owner 
  • Earns interest on the daily collected balance 
  • Earnings calculated daily, credited semi-annually 
  • Six free withdrawals/transfers per month; $1 each after that1 
  • No monthly maintenance fee 
  • Free online banking, mobile banking, and E-statements 
  • FDIC insured for security and peace of mind
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Helping the Next Generation Save Smart

Youth Savings

A Youth Savings account makes it easy for kids to get excited about saving while giving parents peace of mind. With no monthly service fees and a low $5 minimum deposit to open, this account is designed to empower young savers and teach them how to manage money responsibly.

Visit your local branch to get started.

Find a Branch

I still remember the first account we opened here in 2003 – a Youth Savings account for a little boy whose mom brought him in. He was only five, and I never knew what he was saving for. But today, he’s still a customer, and that’s what it’s all about – being here for our Neighbors at every stage of life.
SaraRichardson-1
Sara Richardson
Executive Vice President - Risk Management
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Neighbor-Approved

For over 20 years, our Neighbors have trusted their Neighbors at Heritage Bank. You can, too.

Financial Empowerment

We take your local dollars and invest them locally with all local decisions. We listen and help instill financial confidence in our Neighbors.

Community Focus

We are more than a local bank; we see our customers as Neighbors. Community involvement isn’t just something we do; it’s who we are.

Everything you need in a bank plus we are Neighbors Serving Neighbors.

1Transfers and payments made through online banking and bill pay count toward the limit of six per month. Excess transfers are not permitted and will be assessed $1 each in excess of six. In-person withdrawals are unlimited.

Open a Neighbor Rewards Checking Today

Start earning up to 5.00% APY with Neighbor Rewards Checking when you meet qualifications. Banking with benefits has never been easier.
 
Ready to join your Neighbors in smarter, more rewarding banking?