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    Dinero Teens Program

    With adulthood only a few years away, it’s important for teens to be prepared for financial independence.

    Dinero Teens is more than just a bank account.

    It's a robust financial education program that gives members ages 13 to 18 opportunities to learn more about personal money management. It also makes it easy for parents to monitor spending and transfer money to their teens using Advancial's Mobile App. When you do a youth bank accounts comparison, ours is simply the best.

    Not only will teens learn the ins-and-outs of banking, but they’ll also enjoy many extras that help them prepare for the future, such as:
    • Dividends on balances greater than $100
    • College scholarships to assist with educational expenses
    • A quarterly incentive drawing for $100
    • A quarterly newsletter filled with helpful financial information

    Dinero Teens Savings

    Build a firm financial foundation for your teen. Our Dinero Teens savings account establishes your teen's membership with Advancial. With competitive dividend rates and flexible account access, a Dinero savings account is the best savings account for your teen.
    Learn More About Dinero Teens Savings

    Dinero Teens Starter Certificate

    With a low opening deposit of just $250, your teen can learn about dividends and take advantage of higher rates with a Dinero starter certificate. Deposit money for 12 months and watch the savings grow!
    Check Rates

    Dinero Checking

    Starting your teen on the path to financial success is important, and our Dinero Checking account is here to help. Dinero Checking is a perfect first checking account to teach your teen on how to manage their finances while giving you the peace of mind knowing you’ll be able to monitor their spending.
    Learn More

    Dinero Visa®

    Credit can be difficult to understand – especially for teens who are new to managing their finances. That’s why we created the Dinero Visa to help introduce teens to credit cards safely and responsibly, while making it simple for parents to monitor spending and provide guidance.
    Learn More

    Carl R. Young Memorial Scholarship

    Every spring, Dinero Teens members who are graduating juniors or seniors are eligible to apply for a chance to win one of four $2,500 scholarships. Named in memory of our longtime board member and volunteer, Carl R. Young, our hope is that this scholarship helps Advancial's young members succeed the way that Carl helped our credit union for so many years. Carl’s dedication and commitment to Advancial and our members was a vital part of our growth and success. His wisdom and long-term perspective helped guide and shape Advancial through many transitional moments in our history, and with this scholarship we honor his contributions and his memory.

    The 2025 Carl R. Young Memorial Scholarship is now accepting submissions. To apply, download and complete the instructions on the application by Monday, April 7.
    Download the Application

    Dinero Teens Newsletter

    Dinero Teens: A Guide to Tipping
    Knowing how and when to tip is a key part of growing up. Tipping is a way to show appreciation for good service and support people in jobs that often rely on tips to make a decent living. Here's a guide to help you navigate the sometimes-confusing world of tipping etiquette.
    August 09, 2024

    Dinero Teens: Check-Writing 101
    In an era of digital payments, you may not regularly need to write a check to complete a purchase. But at some point, you will likely want or need to write a check because it’s the best option available.
    October 03, 2023

    Dinero Teens: How to Make Money Management Less Confusing
    If you think managing your money is challenging, you’re not alone! Nearly three-quarters of teens (74%) say they’re not confident about their personal finance knowledge, according to a recent survey.
    August 30, 2023

    Dinero Teens: What's a Credit Score?
    While you may know a lot about test scores, how much do you know about credit scores? One day, these scores will have an important influence over financial matters in your life, so it pays to learn about them sooner rather than later.
    September 18, 2023
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