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With a free debit card1 and digital banking, your teen will learn the ropes of financial independence in no time.

Key Features

  • Competitive Dividends
  • Honor Roll Rewards
  • No Monthly Service Fees
  • Free savings account reinforces good financial habits
  • Available for young savers ages 13 through 191
  • Earn dividends with a minimum balance of $5,000.01
  • No monthly service fees
  • Unlimited free withdrawals
  • Includes free perks: 
    • Up to $10 in ATM fee refunds per month1
    • Reduced $300 minimum deposit to open a Term Share Certificate
    • High school seniors are eligible for a Synced Seniors Scholarship1
  • Free digital banking services, including:
    • Free online banking & bill pay
    • Free mobile banking with mobile deposit
    • Free eStatements
  • Free telephone banking
  • Free checking account2
  • Free Visa® debit card1
  • Federally insured by NCUA up to $250,000

We believe that hard work should pay off. Students receive $10 per report card, per term.

Fall Submission Deadline: January 31, 2024; Payout By: February 28, 2024

Spring Submission Deadline: June 30, 2024; Payout By: July 31, 2024


Learn more about this program.

Must be a youth club member (Savasaurus, Generation Next, or Synced) to receive Honor Roll Rewards. Members under the age of sixteen (16) are required to have a parent, grandparent, legal guardian, or other approved joint account owner to open a new youth club account or add services on an existing youth club account.  UTMA (Uniform Transfer to Minors Act) accounts qualify for Honor Roll Rewards for members up to the age of eighteen (18); however, the transactions will be subject to the Uniform Transfers to Minors Act of Alabama. One (1) reward per tax identification number, per term only. ATCU will pay ten ($10) dollars per report card, per term made in either the Fall term or the Spring term for 2023-2024 school year only. No rewards for any other grades will be given. Maximum payout for each term will not exceed ten ($10) dollars, or twenty ($20) dollars per year. Report cards must be received by January 31, 2024 for Fall term and June 30, 2024 for Spring term. Deposits for rewards will be made to share accounts only. Rewards for Fall grades will be paid no later than February 28, 2024; rewards for Spring grade rewards will be paid no later than July 31, 2024. Report cards will no longer be accepted in office or via email.  Instructions for submitting report cards can be located at Report cards are required to be a copy of an actual report card or verifiable by school or home school organization insignia. No exceptions will be made. No handwritten grades will be accepted. Some restrictions may apply. Contact an ATCU employee for more details. Federally insured by the NCUA.

1Synced Club is exclusive to ages thirteen through nineteen (13-19). The Synced Club member is permitted to open new services on the account and facilitate transactions without being accompanied by an adult joint account owner beginning at the age of thirteen (13). ATM fees may be refunded by initiating a request with the Accounting Department. Synced Seniors Scholarships are available to graduating seniors which meet all conditions and eligibility requirements described in the application.

2The Synced Club member must be at least thirteen (13) years of age and have the written consent of an approved adult joint account owner to open a share draft (checking) account and to obtain a Synced VISA® Debit Card.

Children's Online Information Privacy: We recognize that protecting children's identities and privacy online is important. The credit union does not solicit or collect individually identifiable information on visits to the youth accounts section of our website without parental consent and do not knowingly solicit or collect individually identifiable information from children on any other area of our site.

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