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Fraudulent Text Message Alert

Please be aware that fraudulent text messages are being sent by an unknown entity portraying themselves as HHCU. This scam seeks to verify a charge, and prompts the recipient to click a link to decline or cancel. Upon clicking the link, recipients are asked for their confidential login credentials.

To report this scam, verify the legitimacy of a text message alert, or if you have provided your confidential card or banking credentials to a fraudulent entity, 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.

Teen Smart Spending Account

The Checking Account That Pays!

 

Smart Spending Starts Here!

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!

 

girl on phone

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.

smart spending

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

Have a teenager who works a paid job? Learn how to set up Direct Deposit for a Smart Spending Account.

 

View the Smart Spending Teen Booklet

Open an Account Online

Choose the right account-opening path

Whether you’re already an HHCU Member or joining us for the first time, select the option that best describes you to begin your secure online application.

Not yet an HHCU Member?

Open a new membership

Use this application to become an HHCU Member and open your personal deposit account.

Apply as a New Member

Already an HHCU Member? Please choose the Existing Member application to the right.below.

Already an HHCU Member?

Add an account to your membership

Use this application to add personal deposit products to your existing HHCU membership.

Apply as an Existing Member

Not yet an HHCU Member? Please choose the New Member application to the left.above.

Both options open HHCU’s secure account-opening experience provided by MeridianLink. You’ll leave hoosierhills.com to continue.

Questions? Call us at 800.865.2612.

How They Earn an Incentive

Hard work pays off—literally! Here’s how your teen can earn an incentive for working or volunteering.

  1. Work a paid job or complete a minimum of four hours of volunteer work 

  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

 

Goal Based Savings

Goal-Based Savings

Create custom savings goals and track your progress with ease. 

Learn More

Reasons to Bank with HHCU

Reasons to Bank with HHCU

Enjoy exclusive perks better rates, and fewer fees as a member.

Learn More

Financial Tools

Online Banking

Stay in control of your money anytime, anywhere. You can check balances, pay bills, transfer funds, and track your spending—all from the comfort of your mobile device!

Learn More

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.