Youth Accounts

Good habits start early

Learning how to save and spend responsibly can make a big difference in a child’s life, and yours! Our youth accounts can help the kids in your life lay the foundation of future financial success.

We offer two great youth programs that teach children how to manage money through age-appropriate tools while earning a great rate. Open a Dollar Dog Kids Account for kids ages 10 and under, or an Elements Teen Club account for kids 11-17.

Visit a branch near you and get them started today!

Benefits of saving with Jovia

Start saving with $5

We make it easy for you to start the kids in your life off saving - it only takes $5.00 to open an account. And, with our Dollar Dog Kids Club Account, we’ll match the first $5.00 deposited.*

Earn more interest

Dollar Dog Kids Club Accounts and Elements Teen Accounts earn a competitive 1% APY on their entire account balance.

Manage money anywhere, anytime

Kids and teens can access funds at branch locations or through Online and Mobile Banking – it’s easy and free. Plus, simplify savings and watch balances grow with automatic deposits or transfers.

Stash a little cash

With Jovia’s Stash My Cash feature, you can deposit the spare change from your Jovia debit card purchases right into their youth savings account. So, go ahead… get the latte and toss the change in the college fund.

Current Rates




Minimum to Earn APY

Dollar Dog Kids Account 1.005% 1.000% $5.89
Elements Teen Account•• 1.005% 1.000% $5.89

Ready, set, start saving!

You can never be too young to begin saving. In fact, the sooner children open a youth savings account, the better their chances of learning good habits for saving money, as explained by Jo and her new assistant, Joseph. (And remember – his name is “Joseph.”)


Savings accounts for children

Saving for a child’s future is always a good idea, and it’s never too early to start. In this article we explain how to open a youth savings account for the children in your life, the key features to look for, and how to get started.

Questions? We have answers!

Yes. To set up a Dollar Dog Kid's Club Account for online statements, you will first need to set up an Online Banking account.

Once an Online Banking account has been created, you can access online statements by:

  • Sign in to Online Banking
  • Select Online Statements and Tax Docs from the menu
  • You will be presented with a brief disclosure. Once you accept the terms and conditions, you will have access to your current and previous months statements. Up to 24 months of account statements will be available to you.

Our Elements Account, specifically designed for children ages 11 to 17, is a great way to teach your child the basics of sound money management. Once you open this account, your child will become a member of our Elements Teen Club, and become eligible for a free checking account and Visa® Debit Card.

Please note that a parent, legal guardian, or adult family member must be joint on the account for children 16 years old and younger.

APY = Annual Percentage Yield. Must meet account qualifications to earn APY. Rates and terms are subject to change without notice.

* Dollar Dog and Elements Teen Savings account require $5 initial deposit. $5 deposit match on Dollar Dog accounts will be made within 45 days of account opening.

Dollar Dog account requires a $5 initial deposit. Dollar Dog is a registered trademark of Marketing Partners. A parent, legal guardian, or an adult member of the child's family must be a joint owner on the Dollar Dog Savings account, the Jovia Free Checking account and/or Visa® Debit Card for teens under the age of 17.

•• Elements Teen Savings account requires a $5 initial deposit. Minimum balance to earn APY is based on a 30-day month.

1 Offer available for new and existing Jovia members from August 1, 2021 through December 31, 2022. Membership eligibility requirements apply. Rates are subject to change without notice. All offers can be withdrawn at any time and are subject to change without notice. Employees, volunteers, and affiliates of Jovia and their immediate families are not eligible. Jovia and its agencies assume no responsibility or liability for damages, losses or injury resulting from acceptance or use of any gift. Existing accounts prior to the promotional period do not qualify. Offer is available for new first-time youth accounts. $100 minimum initial deposit is required and must remain in the account for 90 days. Gift is limited to one per member and will be provided at time of account funding when balance requirement is met, while supplies last. is not a sponsor of this program. Restrictions apply. For complete gift card terms and conditions, see All Amazon ®, TM & © are IP of Inc. or its affiliates. Visit for complete details.