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Start Smart Accounts

Learning how to save money is a valuable lesson for those of all ages. With FMFCU’s Start Smart program, kids can open and maintain their own account and earn dividends on their funds, teaching them that saving money pays in more ways than one!

Start Smart Program

In addition to learning how to save and invest for their future, teens can open a checking account and begin learning the importance of handling money responsibly. Add the Visa® Premier Check Card, and you have a tool that helps model the importance of establishing and maintaining good credit. Prepare them now for future needs like rent, student loans and auto payments!


Start Smart Savings Accounts

  • No minimum balance — break open that piggy bank and bring in the first deposit, no matter how small. With no minimum balance requirements, we make it easy to get started!
  • No monthly or annual fees — you want to save every penny possible, not waste it on unnecessary fees!
  • Competitive rates
  • Quarterly statements — make it easy to watch savings grow!
  • FREE 24/7 access via e-Banking and Premier Access Telephone (PAT)
  • ATM card — for students 14-17 years old!
  • Googolplex — a fun and interactive web site for student moneymakers!
  • Certificate accounts — available with terms from 3 months to 10 years!

Start Smart Student Checking Account (ages 14 - 17)

Learning the basics of a checking account and how to maintain one can help young adults learn how to manage their money wisely.

  • FREE checking for students 14-17 years of age with the student’s name printed on the checks
  • FREE VISA® Premier Check Card with the student’s name printed on it
  • FREE e-Banking, Bill Payer and e-statements
  • No Monthly Fees
  • No Minimum Balance Requirements

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