Give the teen in your life the tools to manage money, make smart choices, and even earn a little extra.
The Smart Spending Account from Hoosier Hills Credit Union is a real checking account for teens ages 13 to 17. We call it a Smart Spending Account because teens aren’t writing checks — they’re tapping, transferring, and managing their money digitally. It comes with no monthly fees, a free debit card, full access to mobile and online banking, incentives, and more!
Teens can earn up to $25 a year just for having a job or volunteering. It is a simple way to teach money management while rewarding responsibility and real-world effort.
Whether you are a parent, grandparent, or trusted guardian, this account creates a safe and educational way for teens to learn how money works and grow their financial confidence.
- Free debit card
- No monthly fees
- Mobile and online banking access
- Direct deposit
- Financial Education and tools
- Account ownership with a trusted joint account owner
What Teens Get
How They Earn an Incentive
- Work a paid job or complete four hours of volunteer work in the community
- Fill out an incentive form
- Turn in your form to your nearest Service Center location
- Receive up to $25 per calendar year deposited into your account!
Smart Starts Here
Help your teen build strong money habits today!
Visit Us To Open An Account
-
Auto Loans
Save more on your next ride with lower rates and better terms.
-
Goal-Based Savings
Create custom savings goals and track your progress with ease.
-
Member Benefits
Enjoy exclusive perks, better rates, and fewer fees as a member.
-
Financial Tools
Budget smarter with easy, personalized tools in Online Banking.
Disclosures
*Rate is variable and may change after opening. No minimum opening balance. Fees could reduce earnings. Eligibility and qualification standards apply. Maximum bonus amount of $25 eligible per calendar year with proof of work or volunteering. Required form available in the Service Center. Bonus will be deposited into your Savings Account within 10 business days of completing and turning in the form.