Teach your children to save and develop good money management skills with the Cardinal Kid’s Club Savings account.
Unique Account Benefits
Earn a higher interest rate on balances up to $1,000
Earn competitive rates on balances over $1,000
No minimum balance requirement
No monthly maintenance fee
Parents/guardians can request, at their discretion, a Cardinal Money ATM card for the child
Parents/guardians can link the Kid’s Club Savings account to their Cardinal Bank Visa
Parents/guardians can access accounts with free
Online Banking, free Mobile Banking 2 and free Cardinal Telephone Banking
Parents/Guardians can establish automated, recurring Funds Transfers in Online Banking – it’s the easy way to save
Free Cardinal Bank ATM Card
No fee for using a non-Cardinal ATM
No ATM surcharge fee at
thousands of ATMs nationwide, simply by using SUM® or MoneyPass® ATMs - list of ATMs also conveniently available through Mobile Banking
Three monthly withdrawals free of charge
Savings accounts are FDIC insured
Special Links Just For Kids
We’ve provided the following links for children and young adults – designed to provide information about being smart about finances.
FDIC Learning Bank helps children learn about the FDIC, offers newsletters for smart money management tools for teens, taking control of finances for young adults and teaching kids about the financial facts of life.
The Official Kids’ Portal for the U.S. Government through kids.gov. Kids.gov is the official kids' portal for the U.S. government. It links to over 2,000 web pages from government agencies, schools, and educational organizations, all geared to the learning level and interest of kids.
United States Mint H.I.P. Pocket Change is a site full of games, tools and information about a variety of topics such as the birth of a coin, coin collectors workshop, fun facts, history of the United States Mint and more.
Minimum opening deposit: $10
Minimum daily balance requirement to avoid maintenance fee: $0
Monthly maintenance fee if minimum account balance not met: $0
1 Available to children under the age of 18 in a custodial relationship. One Cardinal Kid’s Club Account per child. Withdrawals or fees may reduce earnings.
2Cardinal Mobile Banking is free. Fees may apply from your wireless carrier.
3 No fee for using non-Cardinal ATMs. ATM owner may impose surcharge.
View our Disclosures & Fee Schedule, including our Children’s Online Privacy Protection Act Disclosure.