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A mother helps her son learn about savings and puts money in a piggy bank.

Youth Savings

At Guardian, we believe in empowering the next generation to build a solid financial foundation for their future. That's why we offer the Youth Savings Account, designed to kickstart your child's journey towards financial independence and education. Our goal is to equip young savers with opportunities to learn healthy spending and saving habits, and what better way than with their own account? We offer Youth Savings options that provide the tools and convenience to make saving simple. Youth Savings Accounts are available for children age 18 and under, with parental access and control every step of the way.

How to Begin

To start saving, your youth can open a Share Account - which is like a traditional savings account - with a minimum deposit of $1. Parents are added as a joint accountholder on all Youth Savings accounts. There are no monthly fees and plenty of tools that help parents manage the account with ease.

Share Account Features

$1 Minimum Deposit
Quarterly dividends paid on average daily balances above $100
No Monthly Service Fees
24/7 Account Access via Digital Banking
Customize Parental Permission Settings and Spend/Transfer Limits
Convenient and Secure Funds Transfers Between Accounts
Enable Customized Account Alerts and Notifications
Free Guardian Coin Machine Use for Cash Back/Deposits

Financial Literacy, Powered by Banzai

Guardian has partnered with Banzai, a financial literacy program that provides resources and free courses that teach students about financial and life literacy, to help our youth develop strong money management skills in a practical and interactive way. These courses are divided into several age segments, providing the curriculum and tools that best suits your child’s needs during their stage of life, including Banzai Junior, Banzai Teen, Banzai Plus, College and Careers, and Digital Citizenship.

Banzai Teaches

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Life Changes

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Running a Business

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Borrowing and Credit


Opening an account for your child is a big step, and we are here to walk alongside you as you help your child navigate their financial journey. Our accounts come packed with tools and features built to set your child up for success. Join us in shaping a brighter financial future for your child today! Stop by your local branch or give us a call at 334-244-9999 to get started.

Check current Share Account Rates.
Click here to see the full Funds Availability Disclosure Policy.