Youth & Student Accounts
It's never too early to start saving!
The best time to start teaching your kids about money is now!
In fact, the more children understand about money at an early age, the better equipped they will be as adults to make wise financial decisions. FORUM has accounts for every age that help teach financial responsibility and give more options as children grow and become more financially independent.
Chore & Allowance App with My First Nest Egg (ages 3-13)
FORUM offers a chore and allowance app with free financial education for children 3-13 through our partnership with My First Nest Egg. This app is a fun way for children to learn about earning, saving, and giving back and includes a digital piggy bank, allowance and chore tracking/rewards, age-appropriate curriculum, games, and calculators. Learn more and get started with My First Nest Egg today!
The Chore & Allowance App is provided by third-party service provider, My First Nest Egg. By selecting the link, you will leave FORUM Credit Union’s website. FORUM is not responsible for the privacy, security, or content of third-party websites or applications. Please review My First Nest Egg’s Privacy Policy and Terms and Conditions before using the service.
Sprout Account (open at birth)
FORUM's Sprout Account is the perfect way to save for your child’s future educational needs. Members can earn a bonus on deposited funds up to $200 each calendar year, plus the money earns a competitive dividend rate.
Start With A Savings Account (perfect for any age)
FORUM’s Youth Savings Accounts help teach kids the principles of spending, saving, and sharing at an early age.
Student Checking That’s Simple, Convenient And Secure
FORUM’s Student Checking Account feature a free debit card and secure mobile app, so students can make mobile purchases, deposit checks, check their balance and receive real-time alerts from anywhere.
Features
- Designed for students ages 14-24
- No minimum balance and no monthly service fee
- On-the-go access to your accounts with our mobile app and online banking, including alerts, mobile payments, transfers, and more.
- 10 free non-FORUM ATM transactions per month
- Free Mastercard® Debit Card
Coming Soon: Launch and Rise Student Checking
Student Checking is getting an upgrade! Launch and Rise Student Checking offer tools, rewards, and financial education to help build smart money habits.
Launch Account | 13-17
- No monthly service fee and no minimum balance requirements
- Earn high dividends or receive cash back for every debit card transaction
- Early access to your account, including online banking, mobile app, bill pay, and assistance in person at any location, online with chat, and by phone
- Free FORUM ATM transactions
- 10 free non-FORUM ATM transactions per calendar month
- Nationwide access to surcharge free Alliance One ATMs
Rewards*
- Dividends: On monthly balances up to $5,000
- Maintain a total of $500 or more of new money coming into your Launch Student Checking account each moth; OR
- Perform 5 or more debit card transactions each month on the account designated to earn dividend rewards (PIN or signature-based transactions).
- Cash & Banked:
- Earn $0.05 for every FORUM debit card transaction (PIN or signature-based transactions).
- Banked rewards will put all earned cash into your account at the end of the year.
Rise Account | 18-21
- No monthly service fee and no minimum balance requirements
- Earn high dividends or receive cash back for every debit card transaction
- Early access to your account, including online banking, mobile app, bill pay, and assistance in person at any location, online with chat, and by phone
- Free FORUM ATM transactions
- 10 free non-FORUM ATM transactions per calendar month
- Nationwide access to surcharge free Alliance One ATMs
Rewards*
- Dividends: On monthly balances up to $10,000
- Maintain a total of $1,000 or more of new money coming into your Rise Student Checking account each moth; OR
- Perform 10 or more debit card transactions each month on the account designated to earn dividend rewards (PIN or signature-based transactions).
- Cash & Banked:
- Earn $0.05 for every FORUM debit card transaction (PIN or signature-based transactions).
- Banked rewards will put all earned cash into your account at the end of the year.
FORUM's Launch and Rise Accounts make saving, spending, and sharing money easy.
Save - Build your savings while choosing the reward that works best for you.
Spend - Direct deposit your paycheck and earn more while spending on the things you need and want.
Share - Use Venmo, Zelle, Apple Cash and other payment apps to easily send money to friends and family.
Getting Students Started On The Right Path
We understand the importance of establishing good credit early and the impact it can have on students’ financial futures.
FORUM offers a share secured Mastercard® Credit Card as well as a Personal Loan designed to fit the unique needs of students and young professionals who are new to credit. Teen-aged children can also be added as authorized users on your FORUM Mastercard® to help them securely pay for gas, food, and other expenses they may need as their independence expands.
And when it comes to planning for college, our Smart Option Student Loan with Sallie Mae can help your student achieve their dreams.
Yes. FORUM's Student Checking offers a simple and secure way for young adults to manage their finances. This account features a debit card and access to our mobile app so students can make mobile purchases, deposit checks, receive real-time alerts, and more!
The best time to start is now. The earlier kids begin learning about money, the more confident and prepared they'll be to make smart financial decisions as they grow.
FORUM offers a chore and allowance app with free financial education for children 3-13 through our partnership with My First Nest Egg. This app is a fun way for children to learn about earning, saving, and giving back.
We offer accounts for all ages - from young savers just getting started to teens ready for more independence. A parent or guardian will be part of the account to help guide them along the way.
Our youth accounts are designed to build smart money habits early. Kids can learn by saving, tracking their balance, and (as they get older) using tools like debit cards and online banking.