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 your kids lay the foundation of future financial success.

We offer two great youth programs that teach kids how to manage money through age-appropriate tools. Open a Dollar Dog Kids Account for kids ages 10 and under, or an Elements Teen Club account for kids 11-17. Visit your local Jovia branch and get your kids started today!

Benefits of saving with Jovia


We make it easy for you to get your kids off to a good start with different options and solutions available. Members have easy access to funds at branch locations and through our online banking and mobile banking services. Plus, members can learn about managing finances through an interactive website and quarterly newsletter.


We make it simple and faster to save with automatic deposits or transfers. All you have to do is set it and forget it. Their balance will continue to grow!

Competitive Rates

We offer competitive interest rates that compound daily.

Current Rates


Minimum to Earn



Dollar Dog Kids Account• $5.89 1.000% 1.005%
Elements Teen Account•• $5.89 1.000% 1.005%
Questions? We have answers!
Can a Dollar Dog Kid's Club Account be setup for online statements?

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.
Can I open a checking account for my child?

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 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 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 first-time youth accounts opened between August 1, 2021 through December 31, 2021 with a minimum of $100 opened in a branch only. $100 minimum initial deposit 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. Membership eligibility requirements apply. Rates subject to change without notice. All promotional 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 and submitted applications do not qualify for promotional offers.