We like to get a head start on good money habits—
before "budgeting" turns into "guessing what's left in the checking account."
We’re here to teach the basics early: save a little, spend wisely, and maybe resist buying snacks with every debit swipe (no promises on that last one).
Think of it as financial training wheels—just with fewer scraped knees and more compound curiosity. We offer two great accounts to get them started, a Monty Moose Youth Savings account for children ages 12 and under and a Teen Checking account for when they turn 13.
Children ages 12 and under are eligible to have a Monty Moose Youth Savings Account. Must have a joint account owner 18-years or older to open.
Perks for kids:
- Pick a prize each time you make a deposit at a branch
- Get your own Piggy Bank and free use of our Coin Machine
- Bring in your birthday card from Monty, and he'll add $5 to your account
Peace of mind for adults:
- Family transfers made easily online (i.e. Allowance Money)
- Zero monthly fees
- Opening Share Deposit of $25 covered by Monty
Open a Monty Moose Youth Savings account at a branch or online - but be sure to stop by in person to pick up a special surprise from Monty!
Where financial independence starts... and so do the “wait, I spent HOW much on snacks?” moments.
It’s a safe place to learn the ropes—like how to use a debit card, track a balance, and recover gracefully from an impulse purchase. For teens ages 13 to 17. Must have a joint account owner 18-years or older to open.
Benefits include:
- No monthly fees, no minimum balance
- Free Debit Card
- Free Online & Mobile Banking Access
- Up to $20/month in ATM fee refunds — anywhere in the U.S.
Because giving teens real-world money experience now means fewer “Hey Mom, I messed up my account” conversations later.
Help kids set goals, watch their money grow, and build smart saving habits that stick—so future them isn’t surprised at the register.
*See CascoFCU.com for details. Must be 13 or older and have a cosigner that’s 18 or older to open a Casco FCU Teen Checking Account. Teen Checking Accounts opened in August 2026 will be paid $100 into the account. Promotion offered August 1-31, 2026. Membership eligibility required. Other restrictions may apply. Federally insured by NCUA.