Youth Banking
Launch Their Financial Confidence
At Orion Financial, we're committed to helping the next generation build strong financial habits. Our Youth Checking and Youth Savings products work together to teach smart money management, from everyday spending to long-term saving.
- No monthly service fees or minimum balance requirements for both Youth Checking and Youth Savings
- Earn 2.00% APY* on any balance with Youth Savings
- Joint account options with parent-friendly features
- Easy mobile banking anytime, anywhere
Youth Banking Solutions
Youth Savings
Build smart saving habits with an account designed to help young members grow their money while giving parents added peace of mind.
Benefits
- Earn 2.00% APY* on any balance
- No monthly service fee
- Joint account options with parental oversight
- Easy mobile banking for convenient account access
- No minimum balance required
Youth Checking
Build smart money habits with a checking account that helps young members spend confidently while giving parents added peace of mind.
Benefits
- Joint account options with parental oversight
- No minimum balance required
- No monthly service fee
- Easy mobile banking for convenient account access
Launch Their Financial Future
Little Dipper
(Ages 0–9)
- Introducing children to saving with a first savings account
- Exploring digital banking tools with built-in controls and parental oversight
- Helping children understand simple money concepts and everyday spending choices
- Supporting early responsibility and confidence through guided independence
Trailblazer
(Ages 10–15)
- Learning how to use a first checking and savings account with a debit card in a safe, guided way
- Building consistent saving habits while learning the value of money
- Developing early spending awareness and responsible money choices
- Exploring digital banking tools with built-in controls while growing independence
Pathfinders
(Ages 16–18)
- Learn how to handle money with confidence by earning a first paycheck and making real spending choices
- Build smart habits early, like budgeting, planning, and saving regularly
- Get comfortable with banking basics, including a first checking account and debit card
- Get ready for life after high school by growing independence and responsibility—with support along the way
Get Started! What You'll Need:
Apply online today with no minimum deposit required. You’ll need personal information, including Social Security numbers for both you and the minor child. The minor is the primary account holder, with a parent or guardian as a joint owner. Joint accounts are shared, and each owner has full access and control over the funds, including withdrawals and account changes.
If you are under 15 or do not have an SSN/ITIN
If you are under 15, the parent needs a U.S.-issued Social Security number (SSN) or Individual Taxpayer Identification Number (ITIN) and a valid U.S. ID.
Ages 16-17
Apply online if you are 16 to 17 years old and have a U.S.-issued Social Security number (SSN) or Individual Taxpayer Identification Number (ITIN). An adult co-applicant over 18 is optional.
Ages 18+
If you are 18 years of age or older, you may apply for an Orion account without a co-applicant. With so many products to suit your needs, click below to see more!
Download the Orion Financial app to access Astro Academy and start learning and earning!
Our Learn & Earn program, powered by Zogo, offers a fun and interactive financial literacy experience with 1,000+ bite-sized lessons, quizzes, and daily trivia designed to help you build real-world money skills at your own pace. As you complete modules and answer questions, you’ll earn virtual pineapples that can be redeemed for rewards like gift cards to popular retailers such as Amazon and Target. Simply go to Profile → Learn & Earn in the app to get started! Whether you’re a youth banking user or an adult looking to strengthen your financial knowledge, Astro Academy makes learning about money engaging, rewarding, and accessible for everyone.
Start Building Credit Today: Try Our College Credit Card
With the Orion Financial credit card. Use your card responsibly, make payments, and watch your credit grow. Available for applicants who are 18 years or older. Learn more about our amazing college credit card program today!
Why Orion Financial?
At Orion Financial, we help young members start strong and build smart money habits that last a lifetime. Our youth banking options are designed to be simple, safe, and empowering: for kids, teens, and parents alike.
- Accounts made for youth and teens – Easy to use, age-appropriate, and built to grow with them
- Parental controls & monitoring – Stay involved and confident every step of the way
- Financial education tools – Learn the basics of saving, spending, and budgeting early
- No monthly fees or minimum balances – Because learning to manage money shouldn’t cost money
Explore, Learn, Save: Check Out Free Resources
FAQ
Yes! Orion Financial offers products designed specifically for students. If you're attending college or preparing for higher education, our college credit cards can help you begin building credit responsibly. These cards are student-friendly and provide a convenient way to manage everyday expenses while establishing a strong financial foundation for the future.
Orion Financial is committed to helping members build confidence in their financial decisions. We offer a variety of financial literacy resources, including online calculators, educational articles, guides, and tools designed to support your financial journey. Whether you have questions about budgeting, saving, borrowing, or planning for the future, our team is always available to help. You can reach us by phone, visit a branch, or connect with one of our financial professionals for personalized guidance and support.
Youth Banking
Build Your Budget Calculator
Use this calculator to set an example budget using the 50/30/20 rule. Simply set aside 50% of income for needs, 30% for wants, and 20% for savings.