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Take their first step together.

Discover a kids savings account that's all fun, no fees.

What's a Kids Savings Account?

The online and mobile savings account that puts them first.


Annual Percentage Yield

A great rate for any savings balance


No monthly or maintenance fees


To open or keep the account

A kid-friendly account with grown-up features.

So they can save just like you.

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High Interest

A 1.00% APY that'll make them feel all grown up and keep their account balance growing even faster.

No Fees Icon

No Fees or Minimums

Kids Savings Accounts are fee-free and don't require a minimum balance.

Automatic Savings Plans Icon

Automatic Savings Plans

Send their allowance on schedule and make regular deposits.

Multiple Accounts Icon

Multiple Accounts

Link your account to your children's savings account or create accounts for each of their savings goals.

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My Savings Goals

Set up a savings goal for each online savings account so your kids can watch their money grow.

A rate that makes the grade.

Move their savings to the top of the class.

Account Balance Annual Percentage Yield (APY)
All balances 1.00%

APYs are variable and effective as of 5/11/2018.

"I love that I can provide my kids some financial freedom. I can watch how careful they are with their school-related expenses and catch anything that falls through the cracks."

Tommy Y., Jersey City, NJ

A highly-rated education.

Teach your kids how to make their allowance go further with high savings rates. Show them how their pennies add up (with interest) and watch their savings grow faster than in the piggy bank.

A safe way to learn.

Save confidently knowing your child's funds are always secured. All Kids Savings Account deposits are FDIC-insured up to the allowable limits. And while they practice the banking basics, you'll be able to stay connected through a joint account.

A top-rated app, with parental controls.

Transfer from your account to theirs.

Move money up to six times per month from any linked account.

Never forget their allowance again.

Set up Automatic Savings Plans for regular deposits.

Set up and track savings goals.

See how much their money can grow with savings calculators.

Make deposits on the go.

Use mobile deposit to upload checks in their name.

Learn More

Kids Savings Account: 101

Unlock everything you need to know to open a Kids Savings Account today. For answers, just click the arrow next to each question below.

  • What access do kids have to their savings account?

    Children's savings accounts offer dual access so you can learn to save together. Kids can sign in and check their balance online 24/7, but transferring money requires a little help from the adult on the account. You'll have to sign in using your username and PIN in order to actually move money in or out of their savings.

  • What access do adults have to the Kids Savings Account?

    In addition to everything a kid can do, you can sign in to a children's savings account with your own username and PIN to transfer money, set up an Automatic Savings Plan, and manage account details.

  • How do kids make a deposit?

    Just like you. Kids can make mobile deposits by uploading a picture of a check from their phone or computer, or put a check in an envelope and mail it in directly. They can also use the Transfers & Deposits tab on their account to transfer cash from a linked account. If you'd like to show them how to make a deposit or wire money in person, stop by a Legacy Apex branch or ATM near you.

  • How do I make transfers?

    Same as the above. You can transfer funds into children's savings accounts from a linked checking account (either Legacy Apex or another bank) using the Transfers & Deposits tab.

  • Can the Kids Savings Account link to other accounts?

    You can open a savings account for kids in your name alone or in your name and your kid's name. Then, just link your Kids Savings Account to your existing Legacy Apex account or personal checking account at any U.S. bank. That's also the way you make deposits to and withdrawals from your account with us.

  • How many withdrawals are allowed per month?

    Each Kids Savings Account has a limit of 6 withdrawals per calendar month. Withdrawals also include internal transfers.

  • What is the difference between a joint Kids Savings Account and a trust?

    A children's saving account can only be opened as a joint account with an adult. That way, kids can learn to manage their money while you keep a watchful eye. A trust keeps money safe on the half of the person who set up the trust, typically without allowing them to access the money until a specific amount of time.

  • Can I open a Kids Savings Account at a Legacy Apex® branch?

    Life doesn't just happen within business hours. That's why Kids Savings and other accounts are online-only-so that you can bank on your schedule. While accounts can't be opened at a Legacy Apex branch, they still come with awesome free digital tools (and a top-rated mobile app) to help you manage your money, anytime, anywhere. If "anywhere" does happen to be near a Legacy Apex branch, stop by to learn more about additional banking options only available at our branch locations.

Find an ATM or Legacy Apex Café near you.

When you need us, we'll be there. Make deposits and withdraw cash at a Legacy Apex ATM near you or experience banking reimagined at a Legacy Apex Café.

Already in the neighborhood?

These products are available online, on your phone, and in Legacy Apex Cafés. If you live near a Legacy Apex location, find the Legacy Apex near you or talktalk to a Legacy Apex associate to learn more about our branch products.

See what other Legacy Apex customers are saying.

" "

"I not only opened an account for me, I also opened an account for two kids. Easy to transfer money with scheduling features."

Tracy B., Redondo Beach, CA

"I love that relatives can send a check to my children in their names and all I have to do is use the app on my [phone] to make the deposit."

Robin B., North Hollywood, CA

"I like how easy it is to use. And my grandchildren like seeing their money grow."

Lynda J., Chicago, IL

Mobile Deposit is available only in the U.S. and U.S. Territories. Web access is needed to use Mobile Banking. Check with your service provider for details on specific fees and charges.

For certain banking products we offer, fees assessed at any ATM within the United States and at some ATMs located outside the United States will be reimbursed within 5 business days, up to $15 per statement period.

At certain ATMs owned and operated by Legacy Apex Bank located in gaming establishments and at certain other non-branch locations having no Legacy Apex signage, you may be charged a fee up to $4.99 for each cash withdrawal. The amount of the fee varies by location and will be displayed on the ATM screen. You will be given an opportunity to cancel the transaction before the fee is imposed. Fees could reduce earnings on the account.

Questions? Get real answers, from real people.

Phone, social media, Morse code (okay maybe not Morse code). Talk to a Legacy Apex associate today-no SOS required.