Youth & Teen Programs

Our kids and teen account options are specifically designed for our youngest members’ individual financial needs. We also offer special features and benefits with our youth accounts like online financial education resources, including Coindexter, Coindexter Jr. and Claim Your Youth.

Youth & Teen Accounts

Smart Saver Savings (0-12 yrs)

  • No monthly fee
  • $5 minimum balance required
  • No inactivity charge for up to 1 year
  • Access to Online/Mobile Banking & eStatements
  • Membership to Coindexter Club and FREE online resources

Teen Choice Savings (13-17 yrs)

  • No monthly fee
  • $5 minimum balance required
  • Access to Online/Mobile Banking & eStatements
  • Access to exclusive Teen Choice/FREE online resources

Teen Choice Checking (13-17 yrs)

  • Teen Choice Debit Card*
  • No monthly fee
  • No minimum balance required
  • Access to Online/Mobile Banking & eStatements

*A parent or legal guardian, 18 years of age or older, must maintain joint-ownership on Teen Choice Checking. Joint owner signature required to order Teen Choice debit card.

Ready to apply?
Visit your local Heritage Trust branch to get started today!

Financial Education For Youth & Teens

Introducing Coindexter Jr. for ages 3 and up!

Children begin developing financial behaviors as early as age three, and by age seven, most financial behaviors are firmly in place. It’s extremely important that children learn the correct way to manage money during these formative years. Children should begin learning about money as soon as they are able to count.

Candy and the Coinbot iOS App

The Candy and the Coinbot is the first adventure in the Coindexter Junior series and provides an introduction to the fundamental concepts of money management: earning your own money, spending money wisely, saving towards a goal, and giving to help others. This free app tells the story in an engaging, digital format that is fully narrated and interactive.

Bonus! The app includes a special ‘Build the Coinbot’ puzzle!

Download the digital storybook for free from the Apple App Store.

Web site features

  • Create your own avatar
  • Explore Econopolis
  • Play fun games
  • Earn points and redeem for cool prizes!

The Coindexter Club is designed to help children of all ages learn how to earn, save, spend, manage and invest money. In the game, children are immersed in the ever-expanding virtual world of Econopolis and given opportunities to manage the virtual money they make doing chores and jobs. There is even a virtual Heritage Trust branch within the game where kids can learn the importance of saving money and making regular deposits. Sign up for FREE today!


Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.


Additional coverage up to $250,000 provided by Excess Share Insurance Corporation, a licensed insurance company.