Youth Savings Account

Enrich Your Child’s Life for Years to Come

Money management is a foundation life skill. There’s so much for children and young adults to learn on the road to financial success—How much should you be saving? When is it worth spending more? How do you keep spare change from burning a hole in your pocket? Kids can start learning those lessons and gaining financial confidence now, with a youth savings account. As a parent or guardian, the lessons you plant today will take root and blossom, enriching your child’s life for years to come.

At Viriva, we are proud to offer specialized savings accounts that are designed just for kids and teens.

Treasure Savers Club

Teach kids basic savings principles at an early age!
Ages 12 & Under

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Money Masters Club

Get teens on the road to financial success!
Ages 13-17

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What is the difference between Youth Savings Programs and a regular Savings Account?

The youth programs are designed just for kids, in two age-appropriate groups. For example, the Treasure Savers for kids 12 & under has a fun pirate theme with activities and rewards that engage kids and keeps them interested. When your child turns 13 they are automatically enrolled in our Money Masters Club for Teens. Both programs are geared for kids and offer special rewards they wouldn’t get in a regular savings account.

What does my child need to get started?

You can open one of our youth savings accounts for your child with as little $5.00. The child must meet our membership eligibility and a parent or guardian over the age of 18 must be joint on the account.  Learn More about our membership eligibility.  

You will need the following information for the minor: Name, Birth Date, SSN, Address, Phone. Connect with us to get started or Submit a Membership Request online. 

What are some of the incentives offered to children for saving money?

We know incentives and rewards help engage children!


  • For our Money Masters Club, we offer the Money Masters Quarterly Prize Drawing. It’s a fun way to reinforce the positive lessons of saving and managing money wisely. Learn More about this program. 
  • Our Treasure Savers Club offers young children stickers each time they make a deposit using their very own deposit slips.  Learn More about this program.