Make your child money smart.
Make them a GoalGetter.

With no-fee checking, debit card access, and savings that earn 5.12% APY¹, GoalGetter helps your child grow up smarter about money.

Get a $105 checking bonus²

Open at a branch today Why Choose GoalGetter

Make your child
money smart.
Make them a GoalGetter.

With no-fee checking, debit card access, and savings that earn 5.12% APY¹, GoalGetter helps your child grow up smarter about money.

Get a $105 checking bonus²

Open at a branch today Why Choose GoalGetter

Why Parents Choose GoalGetter

Accounts and tools that make smart saving, earning, giving and spending habits stick.

Savings That Actually Grow

Start them off right with 5.12% APY1 on their first $2,000. Their birthday money, chore earnings, and holiday gifts work harder here than anywhere else.

Debit Card with Controls

With our Debit Card Controls, you can set spending limits by amount or merchant type, get real-time alerts, and freeze their card instantly.

No Monthly Service Fees. No Overdraft Fees.3

Let them learn and grow without hidden charges eating into savings. If funds run out, purchases won’t process.

Spending Insights via Mobile App

Interactive tools show where their money goes, turning everyday purchases into valuable financial lessons.

Automatic Transfers

Set up automatic savings transfers and allowance deposits. They'll learn the ``pay yourself first`` principle without lifting a finger.

GoalGetters Do Good Together

When you open a GoalGetter Checking account, we'll donate $100 worth of school supplies to your child's teacher, as part of our Teachers' Closet program5.

Open at a branch today

It Starts with Checking

Their first real account for real-world wins—a foundation built for learning, without the fees that hold them back.

  • Open with as little as $5, designed for ages 5-174
  • No monthly service fees and no overdraft fees
  • Debit card in your child's name, with the card owned and managed by parents in the USB mobile app
  • Free unlimited ATM transactions
  • Limited Time Offer - Get $105² bonus to jump start growth when they open the GoalGetter Checking account today.
Open at a branch today

Their Card. Your Confidence.

Watch them take ownership with a debit card that’s theirs to use and yours to guide.

  • Real Independence
    A debit card in your child’s name gives them real-world spending experience
  • Total Control
    In the USB Mobile App set spending limits, freeze cards instantly, and control where the card works
  • Stay Informed
    Real-time notifications keep you both in the loop – from low balance warnings to every transaction

Open at a branch today

Watch Their Savings Grow Faster

Earn 5.12% APY1 on their first $2,000.

Whether it’s birthday money, allowance, or their first paycheck, GoalGetter Savings makes every dollar saved work harder.

Open at a branch today

Teaching Moments Built Right In

GoalGetter grows with them, from everyday spending to handling the unexpected.

Financial Education

Free online resources help them understand budgeting, saving, and smart spending—skills they'll use for life.

Real-world Experience with Zelle®

Once they turn 13, they can use Zelle® to split bills, receive money or send it to friends—because smart money habits start early.

Emergency Backup

Are they stranded without gas money? Out of cash for pizza or coffee? Transfer money instantly from your USB account so they have the funds they need.

Open at a branch today

GoalGetters Do Good Together

When you open a GoalGetter Checking account, we’ll donate $100 worth of school supplies to your child’s teacher, as part of our Teachers’ Closet program.5
It’s our way of giving back to the teachers who help the children in our communities set goals, dream big, and move forward every day.

Teachers – redeem your coupon here

Ready to Raise a GoalGetter?

  • Open a GoalGetter checking and savings account today at any branch location
  • Account setup is simple and secure
  • Must be opened in-branch with you and your child present
  • Be sure to bring the right forms of ID for you and your child
Acceptable Forms of IDFind a Branch

Open a GoalGetter
Account Today

Visit a branch and we’ll help you
every step of the way.

Visit Us
Find a branch
Call Us
Contact us
866.872.1866

Frequently Asked Questions

Why do I have to go to the branch? Can’t I open the account online?
What ages is GoalGetter for?
What happens when my child turns 18?
Is there really no minimum balance requirement?
Are there fees on the accounts?
How do parental controls work?
Does my child get a physical debit card?

USB Savings Rates

GoalGetter Savings (with Companion GoalGetter Checking)
Updated November 15, 2025
    • Annual Percentage Yield (APY)
    • $0.01 - $2,000.00
    • 5.12%
    • $2,000.01+
    • 1.01% - 5.12%
    • Interest Rate
    • $0.01 - $2,000.00
    • 5.00%
    • $2,000.01+
    • 1.00%
    • Frequency Of Rate Change**
    • Variable
    • Interest Compounding
    • Monthly
    • Interest Credited
    • Monthly
    • Minimum Balance To Open Account
    • $5.00
    • Minimum Balance To Earn APY
    • $0.01
GoalGetter Savings (no GoalGetter Checking)
Updated November 15, 2025
    • Annual Percentage Yield (APY)
    • $0.01 - $2,000.00
    • 0.03%
    • $2,000.01+
    • 0.03%
    • Interest Rate
    • $0.01 - $2,000.00
    • 0.03%
    • $2,000.01+
    • 0.03%
    • Frequency Of Rate Change**
    • Monthly
    • Interest Credited
    • Monthly
    • Minimum Balance To Open Account
    • $5.00
    • Minimum Balance To Earn APY
    • $0.01

Disclaimers

1 APY = Annual Percentage Yield. As of November 12, 2025, balances between $.01 and $2,000.00 will earn a companion rate of 5.12% APY; balances $2000.01 or more will earn a companion rate of 1.01% APY. The total blended APY will range from 1.01% to 5.12%. Without a GoalGetter Checking account, the account will earn 0.03% APY on all balances. Minimum of $5 to open. The child named on the account must be under 18 years of age. At age 18, the account will convert to Essential Savings Account and earn the APY Union Savings Bank is offering at that time. Limit one account with companion rates per child. Rates subject to change and may be withdrawn at any time.

2 To receive a $105.00 bonus, open a new GoalGetter Checking account (subject to approval) as the primary account holder. Get $105.00 if your ending balance for the month you opened the account (or first statement cycle) is $50.00 or more. The funds may be transferred or converted from another USB deposit account.
Offer is valid from November 12, 2025, through January 31, 2026. Limit one offer per customer. Promotion may be canceled without notice. Bonus amounts will be credited to checking account between December 1, 2025, and February 28, 2025, depending on the date you open the account. Account must be open and in good standing to receive bonus. Bonuses are subject to 1099 IRS reporting requirements. Employees of Union Savings Bank are not eligible. Visit unionsavings.com for complete details.

3 If you do not have sufficient funds available in your account to cover a transaction, the transaction will be declined in most cases. It is possible for the account to be overdrawn and have a negative balance, but no overdraft fees will be charged.

4 Account will be converted to Essential Checking when the child reaches age 18.

5 Free tote bags are offered through USB’s Teachers’ Closet Foundation and are available for grades K – 5 only; child opening account will provide direct access to his/her teacher to order the tote bag online; limit three tote bags per teacher per school year.

Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license. Must be age 13 or older to enroll.

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