Skip nav to main content.
×
cover-art

Hoosier Hills CU Mobile

Free - On the App Store

×
cover-art

Hoosier Hills CU Mobile

Free - On the App Store

Teen Smart Spending Account

The Checking Account That Pays!

Smart Spending Starts Here!

Opening an account is quick and easy. Teens and joint account holders can open a Smart Spending Account by visiting any Hoosier Hills Credit Union Service Center. Whether you’re starting your financial journey or supporting one, our team makes the process simple and seamless!
Visit Us To Open An Account

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.

    What Teens Get

  • 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

How They Earn an Incentive

  1. Work a paid job or complete four hours of volunteer work in the community
  2. Fill out an incentive form
  3. Turn in your form to your nearest Service Center location
  4. Receive up to $25 per calendar year deposited into your account!

Download the Incentive Form Here

Smart Starts Here

Help your teen build strong money habits today!

Visit Us To Open An Account

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.

IMPORTANT FRAUD ALERT

Beware of Fraudulent Calls and Texts!

Fraudsters are impersonating HHCU and other financial institutions claiming there are fraudulent charges on your account.  The calls may appear on Caller ID to come from HHCU, but they are not from us.  For your financial security, NEVER give out your card PIN, passwords, or verification codes.  If you receive a call, hang up and call us directly.  A legitimate text from HHCU will never include a link, nor will there be no follow up call.

To report this scam or for further information, please contact our Hoosier Hills Contact Center experts at 800.865.2612 or 812.279.6644, email us at info@hoosierhills.com, or notify your local Service Center.