Setting Up Your Kids for Financial Success

Teaching the children in your life how to save early is one of the best foundations you can give them. We’ve designed these Youth Accounts to make learning about money both rewarding and fun.

Checking Accounts

Gunny Checking

A Smart Start for Young Savers

Named after our favorite mascot, this account is the perfect place for teens 10-17 to learn how to manage money. We’ve added "guardrails" to help them build great habits early on.

  • Zero Monthly Fees: Start their journey on solid ground.

  • Working Together: This account requires a joint owner (18+) to provide guidance.

  • Earn Rewards: Visa Debit Card may be ordered, if the joint owner authorizes. Plus get more back as you spend on your daily essentials. Earn 1 point per $100.


Little Gunny Checking

A Big Start for Little Savers
Designed for children ages 0-9, Little Gunny Savings helps young members begin their savings journey and learn the value of setting money aside from an early age.

  • Zero Monthly Fees: Watch their savings grow without worrying about monthly maintenance fees.

  • Save Side-by-Side: A parent, guardian, or other adult joint owner (18+) helps guide and support their financial journey.


Savings Account

Gunny Savers

Grow, Save, and Shine with Gunny Savers
From first piggy bank deposits to saving for future dreams, Gunny Savers helps children and teens develop smart saving habits that can last a lifetime.

The Benefits:

  • Digital Banking Access: View balances, track savings progress, and manage accounts through our secure online and mobile banking platforms.

  • Financial Education Opportunities: Eligible members can participate in our Teen Financial Success Camp to build confidence and practical money management skills.

  • Easy to Open: Get started with just a $5 opening share requirement.

What to Know:
A parent or guardian joint owner is required. Social Security number and photo ID verification are needed to open the account.


Learn Together with GoGunny!


Included with eligible youth accounts, GoGunny helps families teach important money lessons through hands-on activities, goal setting, chore tracking, and savings rewards. It's a fun way to help kids and teens build confidence with money while parents stay involved every step of the way.


Connect With Us

  1. Chat with us: Click the link in the bottom right corner and start a conversation today!

  2. Open an Account Online: Enjoy membership perks and open an account with us online

  3. Give Us a Call: Speak directly with a friendly personal lending specialist on weekdays during regular business hours at (910) 577-7333 or (800) 225-3967

  4. Visit a Branch: Stop by any of our local branches to speak with a representative face-to-face.