Family Banking Program
Bank with your youth and teens
It’s never too early to start teaching your kids about banking. Both youth and teens should get started learning financial lessons that will lead to a more secure and successful financial future. NDBT’s Family Banking program uses fun, creative experiences to engage you and your young ones along this exciting journey.
Family Banking Program
Bank with your youth and teens
It’s never too early to start teaching your kids about banking. Both youth and teens should get started learning financial lessons that will lead to a more secure and successful financial future. NDBT’s Family Banking program uses fun, creative experiences to engage you and your young ones along this exciting journey.
Family Banking is Fun for the Whole Family
NDBT’s Family Banking is designed to be more than bank accounts for your youth and teens. It’s been created to provide an experience for parents and kids, with onsite welcome events, bank tours, gifts, creatively designed debit cards, and fun educational products to engage your family with financial tools appropriate for all levels. The Family Banking program provides financial freedom for your youth and teens, with safeguards for parents to oversee and participate in the experience, while monitoring your children’s interactions. All include access to your funds at any of our five North Texas bank center locations, or through our consumer online banking available via desktop or mobile app.
Youth & Teen Welcome Experience
Youth Spending Account
Youth Spending* is a debit card account for kids 6-12 years old designed to allow freedom of spending with parent or guardian controls.
- No Minimum to Open
- No Service Charge
- No Overdraft or Returned Item Fees
- Specially created youth debit card designs
- Online Banking Access
Teen Spending Account
Teen Spending* is a debit card account for teens 13-17 years old, providing a simplistic and easy way for teens to bank – with parent or guardian oversight.
- No Minimum to Open
- No Service Charge
- No Overdraft or Returned Item Fees
- Specially created teen debit card designs
- Unlocked access to Zelle®
- Online Banking Access
- Mobile Deposit Convenience
Youth & Teen Savings Account
Youth and Teen Savings* provide a safe and secure option for growing their financial wealth. Savings goals can be set to develop responsible budgeting skills.
- No Minimum to Open
- No Service Charge
- No Minimum Balance to Earn Interest
- Online Banking Access
- Mobile Deposit Option for Teens
Get Financially Lit!
Fun Learning Modules For Youth & Teens - from Popular YouTube Creators
Youth
courtesy Easy Peasy Finance
courtesy Learn Bright
Teen
courtesy Two Cents
Comparison Chart of Family Banking Options
| Youth Spending | Teen Spending | Youth & Teen Savings | |
|---|---|---|---|
| Ages | 6-12 years old | 13-17 years old | 6-17 years old |
| Minimum to Open | None | None | None |
| Service Charge | None | None | None |
| Overdraft/Return Item Fees | None | None | Yes1 |
| Specialty Debit Cards | Yes | Yes | No |
| Online Banking Access | Yes | Yes | Yes |
| Mobile Deposit | No | Yes | For Teens Only |
| Access to Zelle® | No | Yes | For Teens Only |
| Excessive Withdrawal Fee | No | No | Yes2 |
*If the primary account holder is under the age of 18, the minimum amount to open the account and the service charge are waived. At the time the primary account holder turns 18 years of age, the service charge will no longer be waived, unless the account meets the requirement to waive the service charge.
1$25 for each item (maximum of 4 fees per day)
2May incur excessive withdrawal fee: $2 for each withdrawal after the first 3 per month
