At Guardian, we believe in empowering the next generation to build a solid financial foundation for their future. That's why we offer the Youth Savings Account, designed to kickstart your child's journey towards financial independence and education. Our goal is to equip young savers with opportunities to learn healthy spending and saving habits, and what better way than with their own account? We offer Youth Savings options that provide the tools and convenience to make saving simple. Youth Savings Accounts are available for children age 18 and under, with parental access and control every step of the way.
How to Begin
To start saving, your youth can open a Share Account - which is like a traditional savings account - with a minimum deposit of $1. Parents are added as a joint accountholder on all Youth Savings accounts. There are no monthly fees and plenty of tools that help parents manage the account with ease.
Share Account Features








Financial Literacy, Powered by Banzai
Guardian has partnered with Banzai, a financial literacy program that provides resources and free courses that teach students about financial and life literacy, to help our youth develop strong money management skills in a practical and interactive way. These courses are divided into several age segments, providing the curriculum and tools that best suits your child’s needs during their stage of life, including Banzai Junior, Banzai Teen, Banzai Plus, College and Careers, and Digital Citizenship.
Banzai Teaches

Saving

Insurance

Retirement

Taxes

Life Changes

Housing

Investing

Budgeting

Running a Business

Borrowing and Credit
Greenlight Debit Card
Guardian has partnered with Greenlight— the debit card for kids and teens, managed by parents— to help families raise financially smart kids! With hands-on money management, Greenlight empowers children to develop lifelong financial skills through its five key categories: Spend, Save, Give, Earn, and Learn. From managing chores and setting savings goals to interactive financial literacy games, Greenlight takes financial literacy to the next level, all under parental supervision. Enjoy exclusive access to Greenlight, FREE* for Guardian members.
Benefits for Kids and Teens

Debit Card Access

Set Savings Goals

Chore Checklist

Financial Literacy Games

Healthy Financial Habits
Features for Parents

Manage Chores

Automate Allowance

Instant Transfers

Track Spending

Present Spending Limits
Opening an account for your child is a big step, and we are here to walk alongside you as you help your child navigate their financial journey. Our accounts come packed with tools and features built to set your child up for success. Join us in shaping a brighter financial future for your child today! Stop by your local branch or give us a call at 334-244-9999 to get started.
Check current Share Account Rates.
Click here to see the full Funds Availability Disclosure Policy.
*Guardian Credit Union members are eligible for the Greenlight SELECT plan at no cost when they connect their Guardian Credit Union account as the Greenlight funding source for the entirety of the promotion. Subject to minimum balance requirements and identity verification. Upgrades will result in additional fees. Upon termination of promotion, customers will be responsible for associated monthly fees. See terms for details. Offer ends 10/24/2025. Offer subject to change and partner participation.