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.

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.