Spark Youth Savings

Help them save smart from the start and watch their confidence grow.

A brighter future starts here.

It’s never too early to teach the value of saving. That’s why we created Spark Youth Savings, a simple and rewarding account designed just for kids and teens. Whether you’re helping a child stash birthday money or encouraging a student to save up for their next goal, this account helps them learn good habits with support from a bank that cares.



When it comes to childrens saving, every little bit counts. At Luminate Bank, we make it easy and fun to get started.

Why choose Spark Youth Savings?

A savings account designed specifically for young savers under 18, helping them build confidence and watch their money grow.

  • No monthly service fees
  • No minimum balance fees
  • Earn interest on every dollar saved
  • Perfect as a student savings account or starter fund
  • Personalized, friendly service to guide their financial journey

Spark Youth Savings Account

Teaching good habits is simple.

At Luminate Bank, we believe financial literacy starts early. That’s why our Spark Youth Savings account is easy to open, simple to use, and designed to fit the needs of young savers. Whether you’re opening a student savings account for your teenager or starting your child’s very first account, we’re here to make children's saving a positive and empowering experience.


Let us help spark their savings and their confidence.

Features designed for young savers and families.

Every Spark Youth Savings account includes tools and features that make saving easy and engaging.

A black heart icon on a white background.

Easy Account Access

Parents and students can view balances and track progress anytime with online and mobile banking.

Icon of a document with lines and a dollar sign, indicating financial paperwork.

No fees, No stress

There is no minimum balance and no monthly maintenance fee so more of their money stays in their account.

A hand holding a smartphone, capturing a check for mobile deposit.

Earn While They Learn

Every dollar earns interest to show the power of saving over time.

Warning symbol: a black outline of a triangle with an exclamation point inside.

Mobile Deposit

They can deposit checks safely and securely right from a phone or tablet.

A hand holding a smartphone, taking a picture of a check, likely for mobile deposit.

Safe & Secure

You can feel confident knowing their money is protected and their account is backed by our trusted team.

Warning sign: a black outline of an exclamation point inside a triangle.

Custom Alerts

Set up text or email notifications so both you and your young saver always know what is happening with the account.

Ready to help your child start saving for the future?

The Spark Youth Savings account is the perfect way to teach kids and teens how to manage money while watching their savings grow. Open a student savings account today and give them a brighter start.

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