Kids and Teens Savings

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

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

Dividends are extra money that your account earns just by being open and meeting our minimum account dividend earning value. The Sprout 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.

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.

We will require at least one official document to verify your child's identity. We can use a variety of documents, including social security cards, birth certificates, Medicaid cards, and insurance cards.

To verify your identity, we always ask that you come prepared with a government-issued ID. It is important that it is not expired. Examples of acceptable IDs include a State Driver's License or a U.S. or Foreign Passport.

If we have trouble validating your ID, we may ask for a secondary ID.

If you have a question about whether an ID can be used, text us at 931.431.6800 or chat with us on our website. We will be happy to review your documents for you in advance.

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.

For the safety and security of our youngest members, we do ask that you schedule an appointment or video call us to open this account.

Fraud, unfortunately, is made easier when an account holder has fewer identifying documents and since we can safely assume your children do not yet have a driver's license, we do ask that you schedule an appointment or video call us so that we can verify both parties' identities. Thank you for your understanding.

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.

When you turn 18, your Flex Savings Account automatically becomes a Share Saving Account. This is our standard adult savings account that establishes you as a member of Fortera Credit Union. To learn more about this account, visit our Share Savings Account product page.

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.

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.

Yes, teens opening a Flex Savings Account will have to select a legal guardian to be a joint member of their account.

We will require at least two official documents to verify your teen's identity. We can use a variety of documents, including social security cards, birth certificates, Medicaid cards, and insurance cards. If your teen is 17 years old, we require that one of the documents be a government-issued ID.

To verify your identity, we always ask that you come prepared with a government-issued ID. It is important that it is not expired. Examples of acceptable IDs include a State Driver's License or a U.S. or Foreign Passport.

If we have trouble validating your ID, we may ask for a secondary ID.

If you have a question about whether an ID can be used, text us at 931.431.6800 or chat with us on our website. We will be happy to review your documents for you in advance.

You can open this account online or in-person. The choice is yours.

No, members may only connect one debit card and one checking account (the debit card and checking account must be connected) to a ChangeUp Savings Account.

This account is free to open. You heard us right!

This account is designed to be automatic. Every purchase made with your debit card is rounded up to the nearest dollar and that extra change is then deposited into your ChangeUp Account. You cannot automate additional transfers to this account.

No additional deposits may be added to the ChangeUp account.

You are eligible to open a ChangeUp Account if you are at least 13 years old and a Fortera member with an active checking account and debit card. To add one to your account today, please visit a branch or give us a call via video chat.