Student Banking for Kids & Teens.

It’s simple! Stop by any of our convenient locations, and we’ll be happy to assist you with opening a checking or savings account for your child. Please note that accounts must be opened in person for ages 17 and under.

Plan to provide your child’s:

• Date of birth
• Address
• Social Security number (SSN) or Individual Tax Identification Number (ITIN)
• Minimum opening deposit (e.g., $50 for most checking accounts)

Ages 18 and older may open a checking account or savings account online.

If a parent will be a co-signer on the account, we’ll ask for identification from the parent. When a child or minor opens an account without a parent, we may use a student ID card. However, if they don’t have one, identification by a family member, friend, banker or teacher may be acceptable.

In addition to the above forms of ID, we’ll need the minor’s Social Security number.

All ages are welcome! There is no minimum age necessary to open a Totally Free Checking, Premium Interest Checking, BankOn Checking or any savings account with Gate City Bank. 

For ages 17 and under, please note that a parent or legal guardian is required as a joint owner for checking accounts, Money Market Savings, High Yield Savings and Coverdell Education Savings accounts. A parent or legal guardian is not needed to open a Regular or Relationship Savings account.

Our Preferred Perks Checking² account is available exclusively for ages 18 and older.

It’s easy to set up alerts and monitor your child’s spending with the Gate City Bank mobile app and online banking!

Using our mobile app, simply:

1. Hit “More” at the bottom of your screen.
2. Go to “Tools” and select “Alerts.”
3. Tap “Accounts.”
4. Choose your child’s account to set your choice of alerts for balances, transactions, deposits, withdrawals, insufficient funds and more. You can even personalize how you’d like to be notified, from SMS/text messages to email alerts!

If you prefer to log in to online banking, you can set up account alerts by navigating to “Tools” and clicking “Alerts.” Go to “Accounts” and choose your child’s account to get started.

Absolutely! Your child will receive a special gift³ when opening a new checking account with us. You’ll receive one as a referral gift, too!

See our latest checking gift and promotions >