Dollars & Sense: How to teach your kids about spending, saving and sharing money

Experts recommend starting with the basics when your child is a preschooler and continuing to introduce more complex concepts as they progress through grade school, their teen years and young adulthood.

No matter how old your kids are, put them on the path to good money habits. Arizona Federal’s free Money Talks Guides for Parents and Grandparents outline conversation topics and practical ideas for teaching children about money from ages 3 through 20.

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Youth & Teen Savings Challenge

Not ready to open an account? Start your child’s financial education journey today

Download your free Money Talks Guide – along with our Money Milestones Map to track your child’s progress every step of the way.

Money Talks Parents Guide

Money Talks Guide for Parents

Money Talks Grandparents Guide

Money Talks Guide for Grandparents

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Get Started, Open Their Account Today

Arizona Federal is with you for every money milestone with accounts designed to grow as your kids do. Schedule an appointment to visit any of our branch locations to get started.

Plus, they could be entered into the Arizona Federal Youth and Teen Savings Challenge for an opportunity to win up to $500!1

Youth Account - Ages 0-12

Start teaching money basics

Its never too early to teach kids about money. Our Youth Savings Account is the perfect way to start your kids on their financial journey. 

  • $0 opening deposit
  • $0 monthly service fee
  • Easy to manage - keep track of balances with free mobile and online account access
  • Easy online transfers from your account to your child's account
  • Turn coins into savings with free Coinstar transactions
  • Identity protection through ID Protect™
  • And much more!
  • Social Security or tax-ID number
  • Must have joint owner (parent/guardian/adult relative)
  • Joint owner must have a Social Security or tax-ID number, valid form of identification and must be over 18
Young boy putting with father putting coins in a piggy bank

Teen Account - Ages 13-17

Set them up for success

Start your teen on the path to learn good money management skills with a Savings Account and our Checking Plus Account. 


  • $0 opening deposit
  • $0 monthly service fee
  • Visa® debit card that works with Apple Pay™, Samsung Pay™ and Google Pay™
  • Keep track of balances, create savings goals and set alerts with the mobile app
  • Easy access to cash with 30,000+ surcharge-free ATMs
  • Identity protection through ID Protect™
  • Overdraft protection
  • And much more!
  • Current identification (school ID, driver's license, state ID, passport, etc.)
  • Social Security or tax-ID number
  • No joint owner required (if joint owner, must be over 18)
Teen Girl on laptop

Young Adult - Ages 18-20

Affordable banking on the go

With no monthly fee and the convenience of mobile banking, our Checking Plus Account is designed to keep up with their busy life.  


  • $20 opening deposit
  • $0 monthly service fee
  • Visa® debit card that works with Apple Pay™, Samsung Pay™ and Google Pay™
  • Mobile app for free bill pay, mobile deposits and to keep track of your accounts
  • Easy access to cash with 30,000+ surcharge-free ATMs
  • Identity protection through ID Protect™
  • Overdraft protection
  • And much more!
  • Current identification (school ID, driver's license, state ID, passport, etc.)
  • Social Security or tax-ID number
  • No joint owner required (if joint owner, must be over 18)
Young man with debit card and smart phone

Take the first step.

Each step of your child’s financial education journey helps set them up for financial success down the road. Look to Arizona Federal for the resources, tools and support you need from start to finish.

Schedule an appointment to visit your local branch to open a Youth, Teen or Young Adult account today. (And bring the kids!)

Lets make saving fun!

Enhance your child's account with free enrollment in our exclusive clubs.

  • Special Gift for New Accounts
  • Exclusive Discounts from Arizona Humane Society and Phoenix Rising
  • Newsletter and Chances to Win Prizes
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