The Volt Account for Teens is designed to help teenagers gain experience with managing their finances while protecting them against fees. We understand that personal finance is something that requires practice. The Volt Account for Teens allow members to become familiar with spending and saving using their accounts and mobile devices to transfer and deposit checks.

In addition, we offer periodic online and in-person educational courses throughout the year, 另外会员可以利用我们的 Level Up program, with specific modules created especially for our Volt members' age group. 

We understand there are many new experiences that come along with a new checking and savings account. 我们很自豪能支持我们的Volt会员并提供帮助 education and support every step of the way. 


专为13至18岁的会员设计, the Volt  Account for teens has a special checking account fee structure that protects against costly fees, 包括透支费和网外ATM费. Once teenagers reach age 19, they qualify for reduced fees until they age out at 25.


Checking Account

Build good money habits with a Volt checking account plus a free debit card and no overdraft or ATM fees.

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Savings Account


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Credit Card

For members 16 and up, secure a beginner’s low interest rate credit card with a credit limit up to $1,000.

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除了省钱之外,还不需要任何费用, 让你的孩子控制自己的金钱管理, 我们也在帮助解释网上加拿大28软件是如何运作的, and how they can use the products and services available to be smarter about spending, saving, 以及他们的财务状况.

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  • 对于会员来说,储蓄账户可以很快地赚到3美元.不超过1,000美元的存款余额的年收益率*.

  • No fees - we mean it. The Volt Checking account for members ages 13-18 is more than totally FREE checking. 不收取透支费或ATM手续费. Really.

  • 16岁时,Volt的会员就有资格申请Visa积分卡. This card will have a sensible credit limit and a low interest rate, and will let you start building up rewards points that never expire. But just so your parents aren't worried about it, we do require a co-signer until age 18.

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  • Sending money to friends: The ability to pay friends through the Arbor Financial mobile app. 无需下载任何其他软件或第三方应用程序, 我们已经为你准备好了.

  • 快速平衡:设置快速平衡, 所以你不用登录就能看到你账户里有什么.

  • 转账:轻松地把钱转到你孩子的账户上.

  • 自动取款机接入:你的Volt借记卡可以使用超过30次,到处都有000台合作社自动取款机, for free, across the nation. 找到一个免费的自动取款机 today. 
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Periodically, 我们会在学校和阿伯金融举办活动, 目的是解释如下事情:

  • How to manage savings & checking accounts

  • 借记卡和信用卡的区别

  • 如何设定明智的理财目标

  • 什么是信用评分,为什么它很重要

  • Budgeting basics

Plus, as a member, you'll hear first when we open up our annual scholarship program. 我们很自豪地奖励十二美元2,000 scholarships to Michigan high school students to improve their lives through higher education.

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  • With the MobiMoney app, members can decide when, where and how their debit cards are used in real-time.

  • ​You can enjoy convenient features like turning your debit card on/off, 接收即时事务警报, 设置限制卡的使用和更多!



你知道储蓄账户是如何帮助你的孩子的, 但作为父母或监护人,这对你也有一些好处:

  • Easy transfers - You can quickly transfer funds into your teens account; no more third party apps or having to get cash.
  • Card protection - You can turn the card on and off along with designating usage to provide some oversight.
  • Monitor account balance - You can set up quick balances to check the savings account balance without logging in.

Volt Credit Card

16岁时,Volt的会员就有资格申请Visa Rewards信用卡. 它的信用额度最高为1美元,000 and a low interest rate while letting you build rewards points that don’t expire. 直到18岁,父母都需要为这个账户共同签名.

提前申请信用卡有很多好处, such as having time to build your credit and learning the difference between a credit and debit card in action.

Here are some tips to keep in mind for using credit cards for beginners:

  • 在到期之前付清账单,这样你就不会产生利息费用.
  • You can use it to cover minor emergencies as long as you make your monthly payments on time if you can’t pay it off in full.
  • 如果你没有正确使用它, 你的账户可能会有麻烦, 哪种方式不是建立信用基金的好方法.
  • A credit card is different from a debit card because you borrow against your balance and have to repay it vs. 从你账户上的现金中扣除的借记卡. You want to practice spending using both and experience how they impact your finances.

青少年的其他经济资源 & Young Adults


You can use our savings goal calculator to help you achieve your financial goals.

Our college savings calculator can help you determine how much to save in preparation for college costs.


Here are some of the most frequently asked questions we’ve received about our Volt Teen Checking & Savings Account.

Yes, we issue cards in person that can be used to access the funds in your savings account. This card will not be able to be used to make purchases, just make withdrawals.
Your teen can open a savings account at 13 years old and can maintain this account until 18. At 18 years old, he or she can transition into a Young Adult Volt Account.
作为父母或合法监护人, 你可以存钱, check balances, view transactions, 并接收关于帐户状态的警报. 但是,你不会收到借记卡.
是的,您必须是该帐户的共同签署人. Once your child turns 18, they can open a Volt Account for young adults 18-24 years old. 或者,他们可以开一个传统的储蓄账户. 这些选项不需要你成为共同签字人.
Yes, we have the Explorer’s Club Youth Account, which is for children 12 and under.
A credit card lets you borrow against a line of credit that you have to repay over time. 如果你不付清你的余额, you will accumulate interest each month meaning you will wind up paying more for your purchase over time. 另外,当你使用借记卡时,就像使用现金一样. 这笔款项从你的账户余额中扣除. 加班的时候,借记卡和信用卡都可以使用.

*年百分比产量(APY). The rate of 3.00% APY applies to balances up to $1,000 on Volt Savings accounts. 超过1,000美元的余额将按一般存款利率计算. 条款及细则如有更改,恕不另行通知. Account approval may be based on factors such as a qualified parent, teen’s age, 及收入核实.

Volt Account
"They have been my bank for nearly 10 years and have been fantastic to work with. I do all my banking through them and even used them for my first home purchase. Highly recommended." Macaria V 阅读更多会员故事  

ID Protect

你的身份是你最宝贵的财富. 下面是如何保护它.

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