Routing Number: 321280237

Youth Membership

Building good money habits starts early with Sierra Paciffic’s Youth Programs, and starting today is the best choice for their tomorrow.

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Youth Savings Account

Ages 0–18

It’s never too early to start saving, and a youth savings account can be opened for children as young as newborns!

You can watch their savings grow along with them with this joint account that helps you teach your child the importance of saving from an early age. Track their savings, easily deposit or withdraw funds, and provide a secure place for them to see their money grow.

Open A Youth Savings Account
Savings start early with a Sierra Pacific youth savings account! Start building their savings and financial savvy from their very first day.

New & Used Auto Loans

We’ve got the budget-friendly options you need for new and used vehicles.

With rates as low as 6.60% APR*, you’re sure to cruise without spending a ton of cash.

View All Rates
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Youth Checking Account

Ages 11–18

Introduce your teen or tween to responsible spending habits and effective money management through Sierra Pacific’s Youth Checking Account.

With no monthly service fees, no minimum balances, and joint-owner parental control, our youth checking accounts are perfect for your teen to start learning about money without taking the training wheels off just yet. As a joint owner on the account, you can monitor their purchases, deposit or withdraw funds, and oversee their budgeting.

Open Youth Checking
Help them understand the difference between wants and needs, manage checking account balances, and use debit cards responsibly with Sierra Paciffic’s joint youth checking account.
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Youth Promos & Events

Report Card Rewards

Youth Programs & Events Report Card Rewards

Youth & Money Newsletter

Stay up to date with our quarterly newsletter crafted to help savvy parents and guardians raise savvy kids. Sierra Pacific’s team shares our favorite money-smart reads, listens, and activities for you and your little one.

Youth Checking Account FAQs

A youth checking account is designed for teens to safely save, spend, and manage their money. It offers features like a debit card, online and mobile banking, and no monthly fees or minimum balance requirements, along with tools for learning about budgeting and financial responsibility.

Teens aged 11-17 can open a youth checking account, with a parent or legal guardian required to be a joint owner.
https://www.sierrapacificfcu.org/personal/youth-membership#youth-savings-account

You can open the account online or at any branch. Bring government-issued IDs for both you and your parent or guardian, along with your Social Security or ITIN number.

https://www.sierrapacificfcu.org/personal/youth-membership#youth-savings-account

Funding the account is easy. You can:
  • Transfer from a Joint Owner’s Account: Joint owners can use our mobile app to set up transfers, whether for regular allowances or one-time needs.
  • Transfer from Other Banks or Credit Unions: Use your account number and our routing number (321280237) to set up transfers from other institutions.

https://www.sierrapacificfcu.org/personal/youth-membership#youth-savings-account

Yes! You can access your account online or via our mobile app to check balances, track spending, and deposit checks.

There’s no minimum balance requirement after opening the account, but you’ll need $25 to get started. We aim to make it easy to manage your money without worrying about maintaining a specific balance.

https://www.sierrapacificfcu.org/personal/youth-membership#youth-savings-account

Youth checking accounts have no monthly maintenance fees. However, some services, like using non-network ATMs, may incur fees. Check our fee schedule for more details.
When you turn 18, your account transitions to an adult account, and you won’t need a joint owner anymore. If you’d like to remove the joint ownership, just contact us.
Yes, you can receive a debit card linked to your youth checking account for purchases and ATM withdrawals. You can also set up alerts to keep track of your account activity.
As a joint account holder, you and your parent or guardian can monitor transactions, set alerts, and review statements to help manage your finances.

Yes! We offer youth savings accounts for ages 0-17, which help you learn about saving and earning interest. Every checking account includes a Regular Shares Savings Account with no monthly charges, plus we’ll deposit the first $5 for you. A $5 minimum balance is required for savings accounts.

 

https://www.sierrapacificfcu.org/personal/youth-membership#youth-savings-account

Absolutely! You can have your paycheck directly deposited into your youth checking account for easy management of your earnings.
Sierra’s Enrich Financial Wellness Portal provides beginner-level financial courses, articles, and videos for teens aged 13 and up. Create an account to start learning and earning experience points!
Yes, you can use your debit card for online purchases wherever Visa is accepted. We recommend discussing safe online shopping practices and setting spending limits.
If you lose your debit card, report it immediately through our mobile app or by contacting us. We’ll cancel the card and issue a new one to protect your account.
Yes, joint owners can link their accounts for easier transfers and monitoring, making it simpler to manage allowances and track activity.
You can deposit money through direct deposit, mobile check deposit, ATM deposits, or by visiting a branch. You can also set up transfers from other financial institutions.
Yes, you can write checks. We recommend using checks for larger transactions. The first book of checks is free; additional books can be ordered for a small fee.
Youth checking accounts automatically block transactions that could lead to overdrafts, helping you avoid fees. It’s important to keep track of your balance.
Yes, we occasionally offer promotions, rewards, and contests just for youth account holders. Keep an eye on our website and emails for updates!

In addition to your checking account, you can open a savings account or a higher-yield savings product like a Money Market account to save for long-term goals.

https://www.sierrapacificfcu.org/personal/youth-membership#youth-savings-account

 

Yes, you can set up automatic transfers from a Sierra Pacific account to your youth account through online banking, making it easy to manage regular deposits.
Yes, you can use your debit card while traveling. It’s a good idea to notify us before major trips to prevent issues with unusual activity.
Our customer service team is here to help. You can call, visit a branch, or message us online with any questions. We’re dedicated to supporting you as you manage your finances.

Youth Money News