Young Savers Account1 Features

  • $0 monthly service fee
  • USB Online Banking
  • Mobile check deposit with the USB Mobile App
  • Free paperless eStatements
  • Always excellent customer service
  • $5 minimum opening balance
  • Earn tiered interest as your balance increases
  • Free automatic transfers from your USB checking account
  • Can be used as overdraft protection for your checking account

Manage your bank account with ease

With USB Digital Banking Tutor, you can learn how to use our online and mobile banking products so you can better manage your finances wherever you are, anytime you want.

Looking for a better fit?

Access Savings
Earn higher tiered interest on your balance
Account Details
Essential Savings
Earn interest; open easily with a low minimum deposit
Account Details

Your Future Starts Now

We can help you focus on your life stage financial planning journey, whether you’re just getting started or well on your way. Our FutureTrack website can help you get thinking, but come in and see us – we’ll discuss your goals and help you reach them.

USB Savings Rates

Updated March 20, 2023
    • Annual Percentage Yield (APY)*
    • $0.01 - $4,999.99
    • 0.10%
    • $5,000+
    • 0.15%
    • Interest Rate
    • $0.01 - $4,999.99
    • 0.10%
    • $5,000+
    • 0.15%
    • Frequency of Rate Change**
    • Variable
    • Interest Compounding
    • Monthly
    • Minimum Balance to Open Account
    • $5.00
    • Minimum Balance to Earn APY
    • $0.01


1 Young Savers accounts are intended for customers under the age of 21 and will be converted to a Essential Savings account when the account holder reaches the age of 21.

2 Overdraft protection options include automated savings transfers and Overdraft Protection Line of Credit. Subject to credit approval. Customers must be 18 years or older or have an adult listed on the account to apply for an Overdraft Protection Line of Credit. This does not apply to Health Savings or Opportunity Checking accounts, as overdrafts are prohibited. Visit or call 866.872.1866 for further information.


*Fees may reduce earnings

**Rates may change after the account is opened

Read all disclosures that apply to your account, including the Consumer Deposit Agreement and Schedule of Interest and Deposit Account Charges.

You may make up to six (6) pre-authorized or telephone transfers per statement cycle. If you exceed this limit during any cycle, additional fees will apply.

Annual Percentage Yield: Assumes interest remains on deposit in your account to maturity. A withdrawal will reduce earnings.

Variable Rate Accounts: The interest rate and annual percentage yield may change as often as daily, at our discretion.

Interest Accrual: Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks).

Balance Computation Method: We use the daily balance computation to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

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