Youth Accounts

It’s never too early to teach your younger kids how to save, or to teach your older kids how to manage a Credit Union account and debit card. St. Louis Community’s Smarty, Journey and Ascend accounts pair financial education with kid-friendly accounts at every stage of a child’s life. Explore our account options for all ages below.


St. Louis Community Credit Union wants to teach kids the basics of saving money! It takes just $1 to open your child’s very own account. Kids receive a special piggy bank with their new account and earn prizes for every deposit. Plus, they just might get the chance to meet Smarty the Squirrel at one of our community events!
Children’s Online Privacy Protection Act (COPPA): St. Louis Community Credit Union does not knowingly collect, use nor disclose personal information from our website about Smarty Kids Club members. We may use a child’s online contact information to respond on a one-time basis directly to that child, to notify parents or guardians, or seek parental consent.


Take your child’s financial education to the next level. A Journey Account gives St. Louis Community members ages 13-17* access to online banking and check-cashing privileges. It takes just $1 to get started, and it’s an investment in lifelong financial skills.


Start a lifetime of good financial habits with your first teen checking account. Ascend Student Checking is designed especially for St. Louis Community members ages 16-23 – it’s perfect for that first job or that young college student. Our Ascend account requires no minimum deposit and no minimum balance, yet it earns interest and carries no monthly service charge! Our Ascend students get a free debit card and can take advantage of direct deposit and payroll deduction. You’ll have access to all our great Online Banking services, including our Mobile Banking smartphone app. You can even participate in our special Spring Break Savings Club, similar to our Holiday/Vacation Club.
To get access to Ascend Student Checking, just open a regular St. Louis Community savings account with a minimum deposit of $1 to establish membership in the Credit Union. It’s the gateway to a lifetime of financial benefits!

*Ages 17 and younger require any account established to be a joint account with an owner who has reached the age of majority under state law and who shall be jointly and severally liable for any returned item, overdraft, or unpaid charges or amounts on such account.