If you're 18 or older, you can open an Independence Checking Account and/or Start Smart Savings Account online or in-person with or without a co-owner over the age of 18.
Start Smart Banking
Do smart steps toward financial independence.
Smart steps to help the next generation on their journey to financial independence.
Start Smart Banking checking and savings accounts are just for teens and young adults, ages 13 to 24.
With these accounts, teens and young adults get the products, services and support they need to empower them financially as they grow.
An account for teens to learn money management while offering parental control options.
An account for young adults that allows them the freedom to manage their money, their way.
Pair either checking account with a Start Smart Savings Account, or open on its own to get a great savings rate and make financial goals easier to reach!
For a Limited Time
Get $200 just for using your debit card when you open a new Start Smart Checking or Independence Checking Account before October 31.†
To qualify for the $200 offer, use promo code YTH26 online or mention it when opening your account in a Dollar Bank office.
Start Smart Checking
An account made for teens to learn money management while offering parental control options.

And no minimum balance requirements, too!
Free custom debit card and the ability to make everyday purchases with a digitally issued card as well.
The ability for parents to monitor their teen's finances.

Start Smart Checking is certified by Bank On
What does Bank On certification mean?
Start Smart Checking meets Bank On's National Account Standards and is certified as a safe, affordable checking account with no overdraft fees, low monthly costs and tools to help customers manage their money.
Accounts certified by Bank On provide safe, low-cost banking options.
Teens ages 13 to 17 must schedule an appointment with a parent or guardian to open a Start Smart Checking Account.
Independence Checking
An account made for young adults that allows them the freedom to manage their money, their way. Perfect for spending, savings and paying bills with confidence.

Send money to people you know and trust within Dollar Bank's Online Banking and mobile app.**
Get paid up to two days early***
As part of the Allpoint® ATM Network, get access to free ATMs at convenient locations like Target®, Walgreens® and CVS®.**** Also enjoy rebated surcharges when out of network.
Customize the look of your debit card and start making everyday purchases via a digitally issued card shortly after an account is opened, is added to a digital wallet and has available funds.
With no minimum balance requirements.
Start Smart Savings
Pair either checking account with a Start Smart Savings Account, or open on its own to get a great savings rate and make financial goals easier to reach!
- Earn a great rate 3.75% APY, up to $10,000 - that's more than 10X the national savings rate*****
- No minimum balance requirements
- Set up automatic transfers from a checking account
- Learn the value of saving money
- Establish good financial habits

Start Smart Savings - for ages 13 to 17
Start Smart Savings - for ages 18 to 24
Test Your Budgeting Skills
How well do you keep track of your budget? From understanding fixed expenses and knowing when to reevaluate your monthly spending, use this quiz to test your knowledge and learn new ways to budget for your future.
FAQs
If you're 18 or older, you can open an Independence Checking Account and/or Start Smart Savings Account online or in-person with or without a co-owner over the age of 18.
- Valid, non-expired US/US Territory Driver’s License with photo
- Valid PA/OH/VA/MD/WV/NC Driver License Learner's Permit with photo
- Valid, non-expired PA/OH/VA/MD/WV/NC State ID with photo
- Valid, non-expired Ohio Interim Driver’s License with photo
- Valid, non-expired US passport/US passport card with photo
- Valid, non-expired Military/Armed Forces ID with photo
- Document must be original (we cannot accept copies or screenshots)
- Documents must be valid, non-expired
†$25 minimum to open. 0.00% Annual Percentage Yield. Fees may reduce earnings. Rate(s) may change after account opening. All rates are accurate as of 9/1/26 and are subject to change without notice. For more information, see the Account Information Schedule. Account opening is subject to approval and accounts are available only to consumers residing in Dollar Bank’s markets. To qualify for the offer, account must be opened by 10/31/26 and offer must be presented at account opening. Offer for new customers between the ages of 13 and 24 at the time of account opening. Those who had an open checking account within the past 180 days are not considered to be new customers and are not eligible for the offer. $200 is available in one $200 credit. To receive the $200 credit, the account must have cumulative Point-of-Sale purchases using the debit Mastercard® that total $300 or more which post and clear the account within 90 days of account opening and the account must be in good standing. Qualifying debit card purchases are made at point of sale using your signature or PIN, or electronically or online using your debit card number, including recurring payments. The $200 credit will be added to the new checking account within 40 days of the qualifying point-of-sale purchases. Maximum amount is $200 per account and one per household. Subject to 1099 tax reporting. Promo Code: YTH26
*Certain transactions are not subject to decline. If any such transaction causes a negative balance, no overdraft fee will apply.
**Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license. Terms and conditions apply. To send or receive money with Zelle®, both parties must have an eligible checking or savings account. Transactions between enrolled users typically occur in minutes. Select transactions could take up to 3 days.
***Early Pay is available for retail account customers in good standing who set up direct deposit with their employer or other payer to receive electronic deposits of regular periodic payments (such as salary, pension or government benefits). The timing of when a transaction is credited is based upon when the payer submits the payment instructions to Dollar Bank. Early Pay is not a guarantee that you will receive your direct deposit earlier than your scheduled pay date and Early Pay may be delayed due to unanticipated circumstances.
****Surcharges from other banks not in the Allpoint or Freedom Alliance networks may apply when using your debit Mastercard® or ATM card.
*****3.75% Annual Percentage Yield on Start Smart Savings balances up to $10,000. Balances $10,000.01 and above will earn 0.75% APY. All rates are accurate as of 3/12/26 and are subject to change without notice. Fees may reduce earnings. Ask for an Account Information Schedule for deposit account details. $25 minimum to open. In order to qualify for Start Smart Savings, one authorized signer on the account must be between the ages of 13 and 24. If an authorized signer is under the age of 18, a parent/guardian over the age of 18 must be a co-owner on the account. Once all authorized signers reach the age of 25, the savings account will be converted to a qualified savings account based on whether it is linked to a checking account and the activity of the checking account. Limit one Start Smart Savings Account per customer. For Dollar Bank's market areas only. National average comparison was based on rates as reported at FDIC.gov on 9/21/26.
CVS is a registered trademark of CVS Pharmacy, Inc. Target is a registered trademark of Target Brands, Inc. Walgreens is a registered trademark of Walgreen Co.
Mastercard is a registered trademark of Mastercard International Incorporated.
Allpoint is a registered trademark of ATM National, LLC.