Youth Banking

To help young adults learn the value of managing money, we provide:

Checking & Savings Accounts that are safe and convenient

Educational materials to learn even more!

Youth Checking Account

A first checking account for individuals aged 15-22. A Youth Checking account will help an individual learn the importance of managing their money with no monthly service charge. Account benefits include a VISA® Debit Card, Online Banking with Bill Pay, Mobile Banking, Mobile Deposit and eStatements.

Account Details
Minimum Opening Deposit $25
Monthly Service Fee1 Free
Interest Bearing5 No
VISA® Debit Card2 Included
Included Benefits Online Banking with Bill Pay3
Mobile Banking3
Mobile Deposit3
Reduced Overdraft Fee4, $15 per overdraft
Account Requirements For individuals aged 15-22
Joint Ownership with a parent or guardian for individuals 15 to 17
Account converts to a FreeChecking Account at age 23

Youth Savings

To help encourage savings for young individuals up to 18 years of age, this account will get these young savers off to a good start with a $10 initial deposit6.

Account Details
Minimum Opening Deposit $0
Monthly Service Fee1 Free
Interest Bearing5 Yes, with Interest Compounded and Credited Quarterly
View rates
Included Benefits Online Banking3
Mobile Banking3
Mobile Deposit3
Withdrawals Federal regulations limit certain types of withdrawals or transfers to another one of your accounts at ANB Bank or to a third party by means of a preauthorized or automatic transfer, telephone transfer, online transfer, or by check, draft, debit card or similar order, to a combined total of six (6) per month. However, transfers and withdrawals made at the teller line or at an ATM are unlimited. If you exceed the six (6) withdrawals or transfers limited by federal regulations, there will be a $10 fee per occurrence. If this limit is exceeded regularly, this account can be closed.

To help the government fight the funding of terrorism and money-laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means to you: when you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

1 See the Miscellaneous Fee schedule for additional details.
2 No annual fee.
3 Online Banking and internet access required. Smartphone requirements, text messaging fees, and other carrier charges may apply.
4 Loans subject to credit approval. Other terms and conditions may apply.
5 See the Deposit Rate Sheet for current rates. Rates are variable and subject to change at any time.
6 The $10 initial deposit is limited as one bonus per primary account holder. The bonus will be deposited in this account within 30 days of account opening.