PERSONAL CHECKING
Youth Account
Blue’s Youth Account, uAccount, is more than a checking account. It’s a launchpad for financial confidence.
Grow Confidence. Build Money Smarts.
Designed for young members ages 0–24, uAccount gives kids, teens, and young adults the tools to learn real-world money management in a safe, supportive way. With digital banking access, a debit card, and no monthly service fees, it’s everything they need to start building smart financial habits that last.
Debit Card Access
Real-world money experience with the freedom to learn by doing.
No Monthly Service Fees
Because building good habits should be simple and accessible.
Blue Digital Banking
Manage money anytime, anywhere with tools built for today’s digital world.
No Minimum Balance
Start wherever you are and grow from there.
Financial Confidence Starts Early
Start wherever you are and grow from there.
Free Financial Learning
Blue University’s “Raising Money Smart Kids” makes teaching finance a breeze.
Blue is with you at every stage
From first deposits to first debit card purchases, uAccount helps young members build lifelong financial habits with support every step of the way.
Ages 0–5
Opening a uAccount early gives your child a head start toward lifelong financial confidence.
- Begin building savings habits before they even start school
- Create a dedicated place for birthday money, gifts, and future milestones
- Give family members an easy way to contribute to their future
- Build a strong financial foundation for the years ahead
Ages 6–12
This is the perfect time to introduce the basics of earning, saving, and spending.
- Learn the fundamentals of saving and money management
- Track savings growth and celebrate financial milestones
- Practice goal setting for things they want to save toward
- Create healthy financial habits that can last a lifetime
Teenagers
Teens gain practical banking experience while helping them develop responsibility and confidence.
- Learn how to manage money responsibly
- Access digital banking tools designed for everyday life
- Gain experience budgeting, saving, and tracking spending
- Prepare for bigger financial milestones like college or a first job
Young Adults (18–24)
Give them the tools and flexibility to help them stay financially empowered.
- Manage money independently with digital-first convenience
- Build strong everyday banking habits
- Prepare for major milestones like renting, graduating, or career growth
- Stay organized with easy account access and money management tools
FAQs
uAccount, Growing with them every step of the way
What is a uAccount
uAccount is Blue’s youth banking account designed for members from birth through age 24. It helps young members build smart financial habits with simple, accessible banking tools that grow with them through every stage of life.
Who can open a uAccount?
uAccount is available for young members ages 0–24. For children younger than 18, a parent or legal guardian will need to help open and manage the account.
What do I need to open a uAccount
To open an account for a minor we will need:
- the parent or legal guardian of the minor to be on the account
- minor’s birth certificate
- social security card
If the minor is adopted we will also need records showing proof of guardianship in addition to everything listed above
Does uAccount include digital banking access?
Yes. Eligible account holders can access Blue’s digital banking tools to monitor balances, track spending, and manage their money anytime, helping them build strong financial habits wherever life takes them.
What are the features of an uAccount?
Dividends: This checking account does not earn dividends.
Statements: Must have e-statements
ATM Refunds: None
Courtesy Pay: These accounts are not eligible for Courtesy Pay
Smart Cents: Eligible
Note: U-accounts cannot have Courtesy Pay, but that doesn’t mean they can’t be overdrawn. Example: The youth member has set up recurring debit card transactions are required to go through, in which case we charge an Overdrawn fee if the funds are not available.
Help them learn smart money habits
Every financial journey starts somewhere. uAccount helps young members build confidence, responsibility, and money skills that create a stronger future.
Related Content
Learn more about Youth Finances
How to Manage Student Loans and Protect Your Credit
