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It might seem like your kids will never grow up, but before you can say "individual health insurance plan," they'll be out of the house and paying their own bills! For this reason, you'll want to prepare them for their financial future sooner rather than later. This easy savings account is a great introduction to solid savings habits — and earning interest will drive the lesson home.



  • Account exclusively for young savers 12 and under
  • Start them on the road to financial success
  • Interest is paid on entire balance and compounded quarterly
  • Includes ongoing prizes and giveaways:
    • Kid's Club membership ID card
    • Invitation to events and activities throughout the year
    • Receive tokens for making deposits to the account*
  • Up to 6 free withdrawals per month**; $5.00 per withdrawal thereafter***
  • Unlimited transfers and withdrawals available in person, by messenger, by mail, or at an ATM
  • Free quarterly e-statements or paper statements
  • No minimum deposit to open

*One (1) token is given for every deposit to the account, regardless of the amount of the deposit.

Once the child has accumulated five (5) tokens, they can be redeemed for a FCB Kid's Club Piggy Bank

When the child accumulates ten (10) tokens, they can be redeemed for a FCB Kid's Club T-shirt.

**You may make six (6) transfers from your account each four (4) week or similar period:

If by preauthorized or automatic transfer, or telephone (including data transmission) agreement, order or instruction or by check, draft, debit card or similar order (including POS transactions), made by the depositor and payable to third parties.

***Activity Charge of $5.00 per withdrawal in excess of six (6) per calendar month or statement cycle.

**** Effective 6/4/2021