Father helping daughters with homework.

Vibrant Savings and Checking

The “relax mom, I’ve got this” account

First job. First date. First car. Teenage years come with a lot of important firsts. Add first step toward financial independence to that list with a Vibrant Savings and Checking account.

Keep Growing

One of the most important decisions you make for your teenager is where to set up their bank account. Our Vibrant checking and savings accounts are specifically designed for ages 13 to 17 to teach them how to handle their money responsibly.

The credit card designed for high school

We designed a low-risk credit card made for teens learning how to build and use credit. Our Vibrant Secured credit card can set up your high-schooler for financial success for years to come.

Fun Bucks Savings Program*

Members age 17 and under can earn extra money each quarter when they demonstrate good saving skills. See how Addition Financial makes it rewarding to save!

Independence for them + Reassurance for you

Your teen feels ready to take on the world, but you might not be ready to take the training wheels off yet – especially when it comes to money. You can both get what you want with Addition Financial’s Vibrant Savings and Checking account. It’s packed with features they’ll love plus tools to help them learn good money management skills that will set them up for lifelong financial success, all without any sneaky fees.

  • Designed for ages 13 to 17
  • Complimentary Visa® debit card at account opening, choice of design, no annual fee, and Visa Zero Liability
  • SaveTopia Discount Program
  • Optional Fun Bucks Program*
  • $500 Secured Platinum Credit Card eligibility**
  • Online and mobile access***
  • Friendly member service
  • Convenient branch locations
  • Financial assistance and education
  • Discounts on tickets, goods and services

*Maximum Fun Bucks earnings per quarter may not exceed $100.00 Funds awarded and deposited into the Fun Savings account are contingent with certain restrictions that apply.

**Secured with $500 by parent or legal guardian. 

***Mobile Deposit not available with Vibrant Checking

Why A Vibrant Savings & Checking Account?

Icon with Phone and Cash
Waived Fees

We’ll waive the membership and minimum share balance fees.

Icon of flower pot
Fun Bucks

Kids earn bonus cash just for saving.

Graphic of calculator and percent sign.
Bank Wherever You Are

It’s all at your fingertips with our mobile app.

Two high school students walking by lockers.

See eye to eye (for a change)

You and your teen might not agree on much these days, but you’ll both be happy with a Vibrant Savings and Checking account. It’s loaded with goodies for them and you’ll feel good knowing they aren’t wasting money on fees.
  1. 1
    Review eligibility

    Anyone who lives, works, worships, volunteers or attends school in 22 select counties may join. View our "Become a Member" page for full eligibility.

  2. 2
    Complete account application

    When you’re ready, complete the online application or visit your branch to apply in person.

  3. 3
    Open your account

    Help your teen start saving and learning how to use a checking account.

Get your learn on

Think of us as your personal financial guru, partner and coach for wherever life’s journey takes you. To help you live your best life, we offer money management tools, financial literacy seminars and expert advice that’s easy to understand. Start making every moment (and every penny) count.