Youth banking for parents
Understand their financial growth milestones
Kids progress through key money-learning moments as they grow:
Age 0-4 Early learners:
Kids see money mostly through you.
- Tips: Talk about what money is for. Celebrate small savings
Age 5-8 Guided learners:
- Tips: Use allowances and alerts to build consistent habits
Age 9-16 Hands-on learners:
- Tips: Set savings goals and teach simple budgeting
Give them tools to practice independence
Designed for safety, learning, and growth — with you in the loop.
Youth savings account
This simple, safe account welcomes your child to the HawaiiUSA family! Unlock membership benefits and help kids visualize their savings.
Youth add-on share certificate
Great for building goal-setting skills and long-term saving habits. Track growth and make additional deposits through Digital Banking and the HawaiiUSA Mobile App.
Greenlight debit card
You’re in control with this debit card and money app for kids and teens. Set spending limits, track transactions, and manage allowances – all from Greenlight’s app.
What you’ll need to get started
If you’re a parent/legal guardian opening a savings account or share certificate on behalf of your minor child, you’ll need:
- Your own valid ID
- The minor’s Social Security Number
- The minor’s Certified Birth Certificate
If you are under 17 years old, you can open certain accounts on your own. For others you’ll need a parent/guardian to be a joint accountholder:
- Age 15-16: with valid ID, you can open a Savings, Certificate, or Checking account. You’ll only need a parent/guardian to be joint on the account if you’d like to get an ATM or Debit card
- Age 13-14: with valid ID, you can open a Savings or Certificate with a parent/guardian as a joint accountholder
Become a HawaiiUSA member and help your child or teen build lifelong money confidence.
