Youth Accounts
Helping Young Members Build Smart Money Habits for Life
Supporting Financial Education in Our Community
A&S Federal Credit Union is proud to support programs and partnerships that help young people learn about money in a fun and engaging way.
Recently, A&S was featured by Hopewell Sports Nation for helping local kids “level up their money game” by encouraging smart saving habits and financial awareness at an early age.
We’re always looking for ways to connect with students and families to make learning about money simple, practical, and even fun.
Read the full story:
Helping Young Savers Start Smart
Helping Young Savers Start Smart
Learning how to save, spend, and manage money is an important life skill—and the earlier kids start, the better. At A&S Federal Credit Union, we believe financial confidence begins with simple lessons and supportive guidance.
Our Youth Accounts are designed to help children and teens start building smart money habits while learning the value of saving for the future. With a safe place to deposit their money and encouragement from trusted adults, young members can begin their financial journey with confidence.
Why Start Saving Early?
Opening a savings account for your child is more than just putting money aside — it’s an opportunity to teach lifelong financial skills.
Youth savings accounts help children learn how to:
- ✅ Set savings goals
- ✅ Understand the value of money
- ✅ Build responsible financial habits
- ✅ Track their progress as their savings grow
By starting early, young savers gain confidence and develop habits that can benefit them throughout their lives.
Tools for Today’s Young Savers
Today’s young members expect convenient, digital tools that help them manage their money anytime, anywhere. A&S Federal Credit Union offers modern banking features designed to make saving and spending simple.
With a Youth Account, members can enjoy access to:
Free mobile banking through the A&S FCU mobile app
Free mobile banking through the A&S FCU mobile app
Mobile check deposit — deposit checks by simply taking a photo in the app
Mobile check deposit — deposit checks by simply taking a photo in the app
Free e-statements for easy access to account information
Free e-statements for easy access to account information
Direct deposit for paychecks or allowance transfers
Direct deposit for paychecks or allowance transfers
Debit cards that work with Apple Pay, Google Pay, and Samsung Pay
Debit cards that work with Virtual Wallets including Apple Pay, Google Pay, and Samsung Pay
Compatibility with popular payment apps like Venmo, CashApp, and PayPal
Compatibility with popular payment apps like Venmo, CashApp, and PayPal
These tools help young members learn how to manage money in the same ways they’ll use throughout adulthood—while still building responsible habits along the way.
Youth Checking & Debit Cards
For teens who are ready for more independence, A&S Federal Credit Union also offers checking accounts and debit cards that provide convenient access to their money.
Youth checking accounts include:
- ✅ A free debit card for everyday purchases
- ✅ Secure digital payments with mobile wallets
- ✅ Easy account access through online and mobile banking
For members under age 18, a legal guardian must be listed as a joint owner on the account.
Perfect for Teens with Their First Job
A Youth Account from A&S Federal Credit Union is a great first step for teens who are starting their first job and learning to manage their own money.
With tools like direct deposit, debit cards, and mobile banking, teens can easily receive their paychecks, track their spending, and begin building responsible financial habits.
Instead of carrying cash, teens can:
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✅ Receive their paycheck through direct deposit
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✅ Use their debit card for everyday purchases
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✅ Pay friends through apps like Venmo, CashApp, or PayPal
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✅ Check balances and manage their money anytime through the A&S mobile banking app
It’s a simple, safe way for young members to gain financial independence—while parents or guardians still have the oversight and support they need.
Start Your Child’s Saving Journey
Opening a Youth Account is a great way to introduce your child to the basics of saving and financial responsibility. Whether they’re saving birthday money, allowance, or their first paycheck, we’re here to help them build strong financial habits that last a lifetime.
Visit our office or contact us to learn more about opening a Youth Account.
Related Services
Checking Accounts
Checking Accounts —Easy transfers between checking and savings
Online Banking —
Online Banking — Make payments, view balances, and more
CDs & Certificates
CDs & Certificates — Earn even more with a fixed term
Local Roots, Lifelong Support
A&S Federal Credit Union proudly serves families in Beaver County and surrounding communities, helping young members begin their financial journey.
Ready to Open Your Account?
Get started in just a few minutes — stop by the office located at 2090 Brodhead Road in Aliquippa, PA!