Start Early. Save More. Youth Accounts

It's never too soon to teach children the importance of saving money, especially before they begin taking on more responsibility---like getting their first job, buying their first car or home, or starting a family of their own. Teach kids the importance of saving and managing money early and the lessons they receive will help them make better financial decisions through every phase of their lives.

Young Savers (Ages 15 and under)

Start by establishing a relationship between your young savers and Tower. Apply for Tower membership and open a Prime Share Savings account in your childrens' names. To get started, contact the Member Service Center at 301-497-7000 or 800-787-8328.

Looney Tunes Savings Club
As children grow a little older, show them that saving money is easy and fun. Open a Looney Tunes Savings Club Account to help young members between the ages of 3 and 12 begin making regular deposits. They'll watch their savings grow and earn fun prizes, too!

Club Accounts
With Tower's "You Name It" and Holiday Club Accounts, kids can get into the savings habit by setting aside money for the things they need or want. Every deposit they make brings them closer to a savings goal—whether it's for a holiday gift, clothing, a tech gadget or first concert ticket.

Future Savings
Thinking about future financial needs? Open a Share Certificate in your childrens' names. The sooner you start setting aside money for your young savers, the more time it has to grow, thanks to the power of compounding dividends.

Teen Earners and Spenders (Ages 16 to 17)

As you gain independence, you may begin your first part-time job and save for your first car or college education. You'll also start making important money decisions.

Tower has many products and services to help you manage your money—most of them are FREE!

  • FREE checking with no minimum balance or monthly fee with an adult joint owner for 16 and 17 year olds.
  • FREE MasterCard® debit card that earns you cash back with Debit Rewards
  • FREE Home Banking and electronic statements
  • FREE Mobile App
  • FREE first order of checks for 16 and 17 year olds.
  • View and keep track all of your money with FREE FinanceWorks®
  • Standard MasterCard credit card with credit limits from $200 to $1,000 for students ages 16 and 17 with an adult co-signer.

Young Adults (Ages 18 and older)

As a young adult, it's time to begin thinking about establishing credit. By learning how to use credit wisely and building a good credit history, you'll be able to more easily secure a loan for future needs, like your first new home. Take a moment to explore a variety of Tower loans based on your specific needs.

Also, check out Tower's Tools and Calculators. It's a great resource packed with helpful savings and safety tips and articles to help you expand your financial knowledge.

Note: Federal regulations limit the total number of electronic transfers from any non-transactional account—Prime Share (savings), Clubs, or Money Market—to six (6) per account per month. This includes overdraft transfers, online Cross Member Transfers and Funds Transfer, and cleared checks from a Money Market account. You can make an unlimited number of transfers and withdrawals through the mail, at an ATM, and in person at a branch. Transfers made to a Tower loan account are not included in the limitation of six per account per month.

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