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Smart Start Checking--Just for teens 14+ and young adults
Smart Start Checking — Just for teens 14+ and young adults  

This is a great first checking account for working teens and young adults. It’s completely free when you sign up for e-statements and it saves you money as you use it.  And, you get a free $25 iTunes card just for opening your account!

Free Visa Debit Card – Most banks make you wait until you’re 18 to have a debit card. If you’re enterprising enough to earn money at 14, we think you’re ready to use one.
 
No monthly fee if using e-statements. Or $5 a month with paper statements.
 
No minimum balance
 
Unlimited check writing – Believe it or not, there are still some places that only take checks!
 
ATM Fee Reimbursement – Our ATMs are always free to our customers. So are our network ATMs. But, if you use other bank’s ATMs, they charge a few bucks for each transaction. We reimburse those fees, up to $15 per month.
 
Free Mobile and Online Banking – Check your balance from any phone or move money between checking savings, even pay bills from any computer.
 
Earn up to $200 extra cash using your Visa Debit Card with Round-Up Rewards! This is easy money you make and save just by using your Visa Debit Card.
 
Smart Start Facebook Community – Get messages, special promotions and financial advice for teens and young adults.

Join us on Facebook!

Free $25 iTunes card – just for opening your Smart Start account!

All you need to open your account is a $25 deposit – and your parent’s signature if you’re under 18.

Open an account online!  Apply Now!

If you have a driver’s license, you can apply online.
If not, just call 618-656-6122 or stop by.

 
You must be at least 14 years old to open this account and receive a Visa Debit Card. If you are under 18, a parent or legal guardian will be required to be a co-owner on the account. This checking account will be a FREE checking account as long as you agree to receive an electronic bank statement. If not, a $5.00 monthly service charge will be applied. There is no minimum balance required to be maintained, but you must deposit at least $25.00 to open the account. You have unlimited check writing privileges. In addition, we will reimburse ATM fees charged by other banks up to $15.00 monthly account holders who are 25 years of age or younger. *Round Up Savings is only offered to First Clover Leaf Bank VISA debit cardholders. Your VISA debit card purchases will round up to the nearest dollar. ATM cards/transactions are not eligible. Transfers post as RUS or Round Up Savings, from your checking to your savings or money market at the end of each day. *First Clover Leaf Bank will match 10% of your Round Up Savings deposits for the first six months. The maximum total match per account is $200.00. The matched funds will be credited to your savings or money market account quarterly. Matching funds will be reported to the IRS on Form 1099. Fees may reduce earnings. Free $25 iTunes card given when account is opened. Limit one per customer. A 1099 will be issued for the $25 iTunes card. Apple is not a participant or sponsor of this promotion. This promotional offer may end at any time. Please see an account representative for further details.  
   

 


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