Youth Accounts

Empower your teen to make smart money moves! 
Need a checking and savings account for your teen? Whether they need to deposit paychecks from their summer job or are trying to save up to buy their first car, we’ve got your teen covered with great checking and savings options. 
 
Open Account Online

Give them hands-on experience managing money.

Teens get to enjoy many of the features our adult members do. They can check their account balance, deposit checks and even manage their debit card on their phone. Plus, there are plenty of convenient in-network ATM options when they need cash. 

  • Digital Banking App

    Help your teen manage their money and learn financial skills with easy-to-use online tools in our Digital Banking app.

  • Over 34,000 In-Network ATMs

    No guarantees they'll stop asking their parents for money, but they will have access to plenty of convenient ATMs nearby.

  • Mobile Deposit

    Your teen can deposit checks directly into their account on the go with our Mobile App.

  • Card Managment

    Whoops! Misplace the debit card? With our Card Management tool, they’ll have the power to lock and unlock their card in Digital Banking or our mobile app.

Get started with a checking and savings account. 

Cash or rewards? Your teens can pick their perks! Each Youth Checking Account comes with a VIP Savings Account1 as well. 

Open Youth Account

VIP Checking

Premium Checking

Rewards Checking

Earn 0.05% APY on balances $2,500 and higher2

Earn 7.50% APY on balances up to $5003

Earn rewards like gift cards, travel and merchandise4

Open VIP CheckingOpen Premium CheckingOpen Rewards Checking

Youth Account Requirements

  • Age 14-17

    Youth accounts5 are designed for teens between the ages of 14 and 17. 

  • 2 Forms of ID*

    A student’s Wisconsin ID, Driver’s License, school ID or current pay stub are acceptable forms of identification. 

  • Joint Owner

    A parent or legal guardian is required to be a co-owner until the age of 18.6

  • Start with $40

    Includes the minimum $5 deposit for VIP Savings, and $35 deposit for personal checking accounts. 


*We require two forms of ID, with one form including a photo. A paystub will not replace the photo ID option. If the minor does not have a Student ID or State ID, Landmark requires the use of a birth certificate AND social security number (SSN) card for the minor’s identification.

Frequently Asked Questions

  • Yes, we do have accounts for children. A youth savings account can be opened with a minimum deposit of $5.00. There are no monthly fees associated with this account and dividends will be paid when the balance is $25.00 or more. We also offer certificates and credit cards for students. Stop by any of our branches to learn more and open an account today!
  • Schedule an appointment at one of our branch locations to open a checking or savings account. Two forms of ID are required at that time. For a student, they could use a Wisconsin ID or Driver's License along with a school ID or current pay stub.
  • You can open a Youth Checking and Savings Account online. If you only want to open a Youth Checking Account or only want to open a Youth Savings account, please visit a branch.
  • A birth certificate or social security card is an acceptable form of identification if the minor is not yet in school or have a school ID.
  • You must be at least 18 to open a checking account in your own name. Checking accounts may be opened with a parent or guardian as a joint owner beginning at the age of 14.

    A debit or ATM card may also be obtained at age 14 with the parent or guardian signed on the application. The parent or guardian may not be removed from the checking account or debit/ATM card until the minor reaches the age of 18.
  • Once the youth owner turns 18, the parent or guardian can be removed from the account. Both parties will need to visit their local branch and sign a change of joint ownership form.
APY is Annual Percentage Yield
[1]
Required for membership.
[2]
Interest is paid in the form of dividends. APY is variable and subject to change. APY is accurate as of 7/3/2025. Dividends are paid on the entire daily balance whenever it is $2,500 or more. Minimum deposit required to open a checking account is $35. Fees may reduce earnings.
[3]
Premium Checking base rate is 0% APY. Premium Checking Accounts with eDocuments (valid email address required) and direct deposit earn 7.50% APY on balances up to $500. APY may range from 7.50% - .06% on balances over $500. Direct deposit is defined as a minimum of $250 per month in regular periodic deposits from an employer, payroll provider, gig economy payer (e.g. Door Dash, Uber, Postmates), pension or government benefits provider deposited into your Premium Checking Account via the ACH system. Transfers from other Landmark accounts, ACH transfers from other financial institutions, peer-to-peer payments (e.g. Venmo, PayPal), merchant transactions (e.g. Stripe, Square), and mobile check deposits do not qualify as a direct deposits. One Premium Checking Account per member. Fees may reduce earnings.  
[4]
Earn 1 point for every $2 in signature-based debit card purchases. Points will be earned based on your qualifying net purchases (purchases minus returns and/or other related credits). You do not earn points for unauthorized or fraudulent charges or for fees of any kind on your card account. Minimum deposit required to open a checking account is $35.
[5]
A "Youth Account" is a checking or savings account opened by a person under the age of 18 that requires an adult co-owner. Other than the adult co-ownership requirement, there are no differences in the terms of such an account.
[6]
For the parent or guardian to be removed from account at age 18, both parties will need to visit their local branch and sign a joint owner release form. Co-owner is required for all online youth account applications.