Smart Start Youth Banking
Help kids on the path to financial literacy by opening up a GRB Smart Start deposit account. Smart Start accountholders earn more on their deposits and get rewarded for key accomplishments as they build their financial future.
Start Smart. Earn Big. Checking and Savings Accounts
Children with bank accounts learn financial responsibility, fosters independence, and promotes good financial habits. Establishing checking and savings accounts can help teach children the value of money, budgeting, and saving for goals.
At GRB, we’re pleased to help children and young adults start off with a strong financial future by providing youth-focused bank accounts with benefits that will pay off for years to come!
Smart Start
Account Highlights
- No minimum age to open - From babies to young adults, Smart Start accounts offer an opportunity to keep earning.
- Fee waivers - There are no fees on Smart Start accounts through age 26.
- Debit cards available - With parental consent, children may receive a debit card for added convenience.
- Earn more - Earn premium rates, cashback bonuses, and milestone rewards.
smart start savings
The earlier children start saving, the faster the interest stacks up! Designed to help earn interest on everything from birthday money to a first job, a Smart Start Savings account provides an FDIC-protected account for set-it-and-forget-it benefits on deposit amounts starting at just one cent! In addition to premium rates, Smart Start Savings accountholders are eligible for:
- Match of first deposit up to $25 upon opening a NEW Smart Start account
- ATM debit card available at age 13 with parental permission
- Minimum balance fees waived until age 26
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Account Balance
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Interest Rate
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APY*
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Balance to Obtain APY
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Minimum to Open
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|---|---|---|---|---|
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$0.01 to $5,000.00
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1.98%
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2.00%
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$0.01 to $5,000.00
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No minimum balance required to open
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$5,000.01+
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1.00%
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1.00%
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$5,000.01+
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No minimum balance required to open
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* Annual Percentage Yield (APY) is accurate as of 1/28/2026. This is a tiered deposit account. The rate available is 1.98% (2.00% APY) for deposit balances of $0.01 to $5,000.00. A rate of 1.00% (1.00% APY) is available for deposit balances of $5,000.01 and greater. Fees may reduce income on account, other terms and conditions may apply. Rates and terms may change without notice after account opening.
Smart Start Checking
Give the children in your life the tools to learn smart money habits with GRB’s Smart Start Checking.* Smart Start Checking provides a foundation account for kids from birth to age 26 with fee waivers, available ATM debit cards, and special perks. As they grow, youth accountholders can earn cash bonuses for milestone achievements like getting a driver’s license and graduating from high school, as well as earn cashback statement credits on debit card swipes once they are eligible. A Smart Start Checking account is more than banking—it’s a foundation for financial understanding and independence with lots of other great perks:
- Match of first deposit up to $25 upon opening a NEW Smart Start account
- Minimum balance fees waived until age 26
- ATM debit card available at age 13 with parental permission
- Surcharge-free ATM networks plus up to $10 in monthly ATM rebates for out-of-network withdrawals
- Debit card cashback (swipe 12x/month and get a $5 statement credit, 24x/month for a $10 statement credit)
- Real-time credit score and report monitoring via Array
- Access to online banking with parent approval
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Cash Bonus Milestones:
Earn a Driver's License (one time) - $50
Graduate from high school (or equivalent - one time) - $50
Complete post high school education (associates, bachelors, masters, or trade - one time) - $50
