VOLT检查 & 储蓄账户 赚 3.00% APY* on balances up to $1,000

Instilling Smart Financial Habits

The 登录dafabet黄金版 for Teens is designed to help teenagers gain experience with managing their finances while protecting them against fees. We 下stand that personal finance is something that requires practice. The 登录dafabet黄金版 for Teens allow members to become familiar with spending and 储蓄 using their accounts and mobile devices to transfer and deposit checks.

除了, we offer periodic online and in-person educational courses throughout the year, plus members can take advantage our 升级了 program, with specific modules created especially for our Volt members' age group. 

We 下stand there are many new experiences that come along with a new checking and 储蓄s account. We are proud to stand by our Volt members and offer 教育和支持 每一步都是如此. 

保护ion Against Fees

Designed for members between the ages of 13 and 18, the Volt  Account for teens has a special checking account fee structure that protects against costly fees, including overdraft and out of network ATM fees. Once teenagers reach age 19, they qualify for reduced fees until they age out at 25.



Build good money habits with a Volt checking account plus a free debit card and no overdraft or ATM fees.




Watch your 储蓄s add up quickly by earning 3.00% APY on balances up to $1,000.




16岁及以上的成员, secure a beginner’s low interest rate credit card with a credit limit up to $1,000.



With the Volt Teen Accounts, You Can 得到 更多的:

除了 to 储蓄 money with no fees, and giving your teen control over their money management, we're also helping explain how online banking works, and how they can use the products and services available to be smarter about spending, 储蓄, and their finances in general.

更多的储蓄 & 收益:
  • A 储蓄s account can add up quickly for members by earning 3.00% APY* on 储蓄s balances up to $1,000.

  • 不收任何费用——我们是认真的. The Volt 检查 account for members ages 13-18 is more than totally FREE checking. There are no overdraft fees or ATM fees. 真的.

  • At age 16, Volt members can qualify for a Visa Rewards Card. This card will have a sensible credit limit and a low interest rate, and will let you start building up rewards points that never expire. But just so your parents aren't worried about it, we do require a co-signer until age 18.

  • Sending money to friends: The ability to pay friends through the Arbor Financial 手机应用程序. There's no need to download any other software or third-party app, we've got it all right there for you.

  • Quick balances: Set up quick balances, so you can see what's in your account without having to log in.

  • Money transfers: Easily transfer funds into your teen's account.

  • ATM Access: Your Volt debit card will let you use over 30,000 CO-OP 自动取款机 anywhere, 免费, 全国各地的. Locate a surcharge-free ATM 今天. 

定期, we'll put on events in schools and here at Arbor Financial, designed to explain things like:

  • 如何管理储蓄 & 支票账户

  • The difference between debit and credit cards

  • How to set SMART money goals

  • What is a credit score and why it matters

  • 预算编制基础

Plus, as a member, you'll hear first when we open up our annual scholarship program. We are proud to award twelve $2,000 scholarships to Michigan high school students to improve their lives through higher education.



  • MobiMoney app, members can decide when, where and how their debit cards are used in real-time.

  • ​You can enjoy convenient features like turning your debit card on/off, receive instant transaction alerts, set limit card usage 和更多的!


Volt Teen Account Benefits for Parents

You know how the 储蓄s account helps your child, but it has some perks for you as the parent or guardian as well:

  • Easy transfers - You can quickly transfer funds into your teens account; no more third party apps or having to get cash.
  • Card protection - You can turn the card on and off along with designating usage to provide some oversight.
  • Monitor account balance - You can set up quick balances to check the 储蓄s account balance without logging in.


At 16, Volt members can qualify for a Visa Rewards 信用卡. It starts with a credit limit up to $1,000 and a low interest rate while letting you build rewards points that don’t expire. Until 18, parents are required to co-sign for the account.

There are many benefits to getting a credit card early, such as having time to build your credit and learning the difference between a credit and debit card in action.

Here are some tips to keep in mind for using credit cards for beginners:

  • Pay your bill before it’s due so you don’t incur interest charges.
  • You can use it to cover minor emergencies as long as you make your monthly payments on time if you can’t pay it off in full.
  • If you don’t use it correctly, you can get in trouble with your account, which isn’t a good way to start your credit foundation.
  • A credit card is different from a debit card because you borrow against your balance and have to repay it vs. a debit card which deducts from the cash you have in your account. You want to practice spending using both and experience how they impact your finances.

Other Financial Resources for Teens & 年轻的成年人

储蓄 Goals Calculator

You can use our 储蓄s goal calculator to help you achieve your financial goals.
College 储蓄 Calculator

Our college 储蓄s calculator can help you determine how much to save in preparation for college costs.

Frequently Asked 问题

Here are some of the most frequently asked questions we’ve received about our 伏孩子检查 & 储蓄账户.

Yes, we issue cards in person that can be used to access the funds in your 储蓄s account. This card will not be able to be used to make purchases, just make withdrawals.
Your teen can open a 储蓄s account at 13 years old and can maintain this account until 18. At 18 years old, he or she can transition into a Young Adult 登录dafabet黄金版.
As a parent or legal guardian, 你可以存钱, 查询账户余额, 视图事务, and receive alerts about the status of the account. However, you won’t receive a debit card.
Yes, you are required to be a co-signer on the account. Once your child turns 18, they can open a 登录dafabet黄金版 for young adults 18-24 years old. Alternatively, they can open a traditional 储蓄s account. These options don’t require you to be a co-signer.
Yes, we have the Explorer’s Club 青年 Account, which is for children 12 and 下.
A credit card lets you borrow against a line of credit that you have to repay over time. If you don’t pay off your balance, you will accumulate interest each month meaning you will wind up paying more for your purchase over time. Alternatively, when you use a debit card, it’s like using cash. The purchase is deducted from the balance of your account. Overtime, it’s good to use both a debit card and a credit card.

*Annual Percentage Yield (APY). 速率是3.00% APY applies to balances up to $1,000 on Volt 储蓄 accounts. Balances above $1,000 will receive the regular 储蓄s rate. Terms and conditions subject to change without notice. Account approval may be based on factors such as a qualified parent, 青少年的年龄, and verification of income.

"They have been my bank for nearly 10 years and have been fantastic to work with. I do all my banking through them and even used them for my first home purchase. 强烈推荐." Macaria V Read More Member Stories  


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