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Youth Checking

Financial freedom starts here

Boost your kid's financial freedom with us on your team. We've got your back and theirs.

  • Overview

    Start early

    Help your kid, tween or teen build responsible financial habits with a Youth Checking account. This account is available to members 10 to 17 years old with a joint parent/guardian and requires only $10 to open.

    Low minimum opening deposit

    We want getting started to be easy.

    No fees and no minimums

    Have we mentioned it’s free? No monthly service fee or balance requirement.

    Debit card for kids

    Easy access with a Heartland Debit card, that parents/guardians can set daily dollar limits on for purchases and ATM withdrawals.


    Teaching money-management is easy with the Heartland Mobile App. Plus, you’ll have access to monitor spending or transfer from your Heartland account to theirs.

    Digital wallet ready

    Easy access to money through Apple Pay, Google Pay and more without having to carry a debit card.

    Card Manager app

    With the Heartland Card Manager app your child can lock/unlock their card if it’s lost or stolen, set alerts, restrict transactions and much more!

  • FAQs
    • With over 63,000 surcharge-free ATMs across the country you have many options to avoid paying a fee. Find a surcharge-free ATM today

    • Yes. With the Heartland Card Manager App you can lock and unlock your card to protect yourself if it’s lost or stolen, plus much more.

    • To report a lost or stolen Debit or ATM card please call (800) 449-7728. Representatives are available 24 hours a day to help you.

    • You can request a new card through Heartland Online Banking, send us a message through Heartland Mobile Banking, call us at (651) 451-5160 or (800) 813-9185 or visit a branch.

    • Yes, with the Heartland Credit Union Mobile Banking app you can snap a picture of your check through the app and deposit it to your account.

    • Heartland Credit Union Mobile Banking and Heartland Online Banking are available to give you access to your account 24/7.

    • Heartland’s routing number is 296075535

    • We will automatically transfer money from your savings to cover the expense – no charge.

    • To view our current fees you can access the Personal Fee schedule and Business Fee schedule. You may also contact us with any questions at (651) 451-5160 or (800) 813-9185.

    • Generally, debit card limits are: $300 for ATM withdrawals and $2,500 for point of sale purchases. These limits may differ based on account history and activity. They can also be adjusted if you contact us (651) 451-5160 or (800) 813-9185.

    • At a Shared Branch you can cash checks, make deposits and withdrawls, make loan payments and loan advances, transfer money between accounts and purchase money orders and official checks.

    • We’ve partenered with credit unions across the nation, through the Shared Branching network, to give you access to your Heartland accounts at their locations – that’s over 5,000 credit unions nationwide. Use the Co-Op Shared Branching website to locate a Shared Branch.

    • Visit a Heartland branch, call us at (651) 451-5160 or (800) 813-9185 or email us at [email protected]. You can also order checks online by visiting our Order Checks website.

    • No.

I have a 13 and 15-year-old and each have a Heartland account with a debit card. Working with Heartland has given them freedom and independence with their money and has given me peace of mind. They are learning how to manage money for the long term. They monitor their accounts with mobile banking, while I'm able to monitor their spending. Thank you for providing my kids a safe place to learn the importance of managing money.


Easy-to-use app

Around-the-clock access to your kid’s account with the Heartland Mobile App.

Open an account online in minutes.