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Accounts that
help them
explore, safely

Kids want to do more than just watch…they want to try for themselves. Start Young accounts give kids hands-on banking experience with their own accounts and debit card—all with you beside them, guiding their progress.

Parents and Kids (8-12) Bank Together

Start Young Spending Account

  • No monthly maintenance fees or minimum balance*
  • Parental controls to limit and track child’s account access and activity
  • 24/7 online and mobile access for deposits and transfers

Start Young Savings Account

  • No monthly maintenance fees*
  • 0.10% APY1
  • Parental controls for transfers or withdrawals
  • 24/7 secure access using online banking and mobile app

Start Young accounts for kids 8+ include a Start Young Visa® Debit Card in your child's name - with spending limits and controls managed by you.

Open Accounts
Cards Designed for Kids and Approved by Parents

Start Young Debit Card

Part of managing money is learning how it’s used in today’s digital world. That’s why Start Young accounts include a Visa® Debit Card. For kids 8 and older, the card is issued in their name, yet you control spending limits and access, and monitor activity from anywhere.

Practicing digital banking together as you:

  • Teach safe online purchasing habits
  • Demonstrate card convenience and responsibility
  • Reinforce how card spending uses real money
  • Practice ATM access for deposits and withdrawals

All with NO maintenance or overdraft fees*

Keeps Parents and Kids Connected

Help your kids practice what you teach about spending, saving and giving wisely. Together you can set up automatic payments, like an allowance, that they can use to make some of their own spending decisions. And, with the mobile app, you can set spending limits and track their account activity remotely.

ECCU mobile banking features


Receive ongoing payments for chores well done


Easily send deposits from your connected accounts


Make fast, secure Mobile Check Deposits anytime, anywhere

Open Accounts

Rates Effective: September 01, 2022

1APY (Annual Percentage Yield) reflects the total amount of dividends paid on this account, based on the dividend rate and frequency of compounding, in a 365-day period. For dividend-bearing checking and savings accounts, AdelFi pays dividends monthly on the last day of each month. Withdrawal of dividends and fees may reduce earnings on this account.

*Please refer to AdelFi's Account Agreement and Disclosures and Personal Account Information and Fee Schedule for complete information about each account. All account rates, agreements, terms, and conditions offered are subject to change without notice. For current dividend rates and annual percentage yields, call Member Services at 877.545.0755 or internationally at 714.671.5705.