Youth Savings

Grow good saving habits early.

Our Sprout and Flex Savings Accounts are designed with your loved ones in mind. Schedule a meeting with us and open a Youth Savings Account today.

A Strong Start For First-time Savers.

Build money confidence early by establishing regular savings habits. We make our youth savings accounts easy to connect to guardian accounts, accessible in Online and Mobile Banking, and always affordable.

Sprout Savings

For young savers with big dreams

Designed for ages 12 and younger, a Sprout Savings account is a safe, secure spot for young savers to sock away their allowance, gifts, and other earnings, then watch their savings grow with dividends. Together, you can build healthy saving habits from day one.

Flex Savings

Ready, set, goal

Our teen savings account is designed for 13 - 17-year-olds. Whether they are tucking away holiday cash, helping around the house to earn more allowance, or working toward college tuition, a Flex Savings account will keep their goal-money secure and earn dividends.

Need a hand?

Tag us in. Whether you are on your couch or halfway around the world, use Fortera Video Chat to get quick answers from a friendly face.

Is my child eligible to open a Sprout Savings account?


If your child is 12 years old or younger, they are eligible to open a Sprout Savings Account.

Can only parents open a Sprout Saving account for their children?


Any legal guardian can open a Sprout Savings account for their little one.

What happens to my child’s Sprout Saving Account when they turn 13?


A Sprout Savings account stays a Sprout Savings account for life. This means that when your child turns 13, the account stays exactly the same and will remain open for as long as the parent or guardian would like. When you believe your kids are ready for a Flex Savings and Checking account, you can make an appointment at your local branch or video chat with us to close your current Sprout Savings account, and move those savings over to a Flex Savings account.

All families are different and the right time to give your kids this new responsibility is totally up to you. We're just here to help you and your family build those good, healthy savings habits.

Can I set up automatic transfers to a Sprout Savings account?


Yes! We make depositing in this account easy. Simply let one of our team members know that you would like to do this when you open your Sprout Account or do it yourself in our Online Banking Portal. You can transfer to and from other Fortera accounts and accounts at other banks and credit unions. To get started, just click on the Transfer Money tab.

Who is eligible to open a Flex Savings Account?


To open a Flex Savings Account, you must meet the following eligibility requirements: (1) You must be between 13 - 17 years of age (2) You must live, work, worship, or attend school in one of our service regions; join an affiliated partner, or have an immediate family member who is a Fortera member. Our service regions include Montgomery, Stewart, Chester, Decatur, Lewis, McNairy, and Perry counties in Tennessee or Christian, Trigg, Todd, McLean, and Webster counties in Kentucky. Residents of other counties in Tennessee, Kentucky, Alabama, and Arkansas may also be eligible.

Can I set up automatic transfers to a Flex Savings account?


Yes! We make depositing in this account easy. Simply let one of our team members know that you would like to do this when you open your Flex Savings Account or do it yourself in our Online Banking Portal.

What are dividends and how do they work for the Flex Savings Account?


Dividends are extra money that your account earns just by being open and meeting our minimum account dividend earning value. The Flex Savings Account earns dividends quarterly as long as your account has at least $25 deposited in it. It is just another way we like to say thank you to our members for trusting us with your hard-earned "dough". To learn more about what the current dividend rate is and our other savings accounts that earn dividends, please see our Rate and Fee Disclosure.

Do you need a parent or guardian to open the Flex Checking Account?


Yes, you must have a legal guardian present to open the account with you.

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