Youth accounts that grow with them.
We’re making it easier (and more fun) for our younger members to start managing their money! Members ages 10 to 17 years old can open a checking account with a debit card, along with the required minimum of $5 in their savings account. We will even deposit $15* in the checking and $5 in their savings (a total of $20), to help them get started. To keep things safe, debit cards will have a daily transaction limit of $200 until the member reaches 16 years old.
A parent or guardian will need to be present at the account opening for accounts for ages 9 or younger. We will need the following information:
Kid's Account (Ages 0-9)
Parent Requirements
- Social Security Number
- Copy of driver's license
- Phone number
- Employer
- Occupation
- Mother's maiden name
Youth Account (Ages 10-17)
Child Requirements
- One of the following:
- Birth certificate
- Driver's license
- Student ID (must be the current school year)
- Social Security Number
Visit any of our three branches to open a youth account and hand in the materials.
Membership is required. Offers are intended for new members only. Accounts closed within 90 days subject to a $10 fee. Ask us for further information about the fees that apply to these accounts. $5 must stay in a savings account. Insured by NCUA.
* Open a savings account in person or online. For ages 0-9, a kid’s account, we deposit $20 into their savings. For ages 10-17, a youth account, we deposit $5 into their savings and $15 into their checking. Savings rate as of 05/01/2026 is 0.20% APY**. **APY=Annual Percentage Yield. All rates subject to change without notice. All accounts will have dividends compounded monthly and paid monthly. All accounts will have dividends calculated on the daily balance. Fees may reduce earnings. Please refer to our webpage, integrafirstfcu.com/accounts/youth-accounts for complete list of terms and conditions. The $20 cash bonus will be deposited within 30 business days of the account criteria being met. Offer subject to change without notice and may end at any time.
Integra First Federal Credit Union is a full-service financial institution serving select counties in Michigan’s Upper Peninsula and Northeast Wisconsin.