Smart Spending Starts Here!
Give the teen in your life the tools to manage money, make smart choices, and even earn a little extra.
The Smart Spending Account from Hoosier Hills Credit Union is a real checking account for teens ages 13 to 17. We call it a Smart Spending Account because teens aren’t writing checks — they’re tapping, transferring, and managing their money digitally. It comes with no monthly fees, a free debit card, full access to mobile and online banking, incentives, and more!
Teens can earn up to $25 a year just for having a job or volunteering. It is a simple way to teach money management while rewarding responsibility and real-world effort.
Whether you are a parent, grandparent, or trusted guardian, this account creates a safe and educational way for teens to learn how money works and grow their financial confidence.
What Teens Get
- Free debit card
- No monthly fees
- Mobile and online banking access
- Direct deposit
- Financial Education and tools
- Account ownership with a trusted joint account owner
Have a teenager who works a paid job? Learn how to set up Direct Deposit for a Smart Spending Account.
