High School Accounts
Whether you are near graduation or are looking to manage your own money, we can help you get
prepared to handle your finances on your own.
Start Saving
Do you have something awesome you want to buy? The first step is setting a goal and starting a savings account. Heritage can help you reach your goal faster by paying you a higher rate of interest. As long as you are under 18, all you need is $25 to open and $100 to start earning interest. Have some fun while you save with woo hoo from Yellow Dude every time you make a deposit and don't forget to visit us on your birthday to get a free gifts and cool activity books!
A savings account is an important first step in learning how to manage your money. You can start small and just deposit a percent of your gifts or allowance. You can even open up other savings accounts and name them to remind you of what you are saving for - like "my ipad savings". Watch it grow by tracking your history on home banking.Catch the VIBE!
An Orange VIBE checking is perfect for someone starting their first checking - and it's FREE!
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FREE Home banking |
Checking Tools
A checking account is an essential tool for managing your money but it can get you in to trouble fast if you overdraw your account. That is why Heritage has created a couple of helpful tools to keep you from paying unnecessary fees while you learn.
Old Enough?
If you are under 18 your account must be joint with a parent or guardian. At 18, you can choose to change the account to an individual one if you want. There is no overdraft protection on accounts if you are under 18. This means transactions will be denied rather than paid on your behalf so it's much harder to overspend.
Understanding Checking
Checking accounts can be complicated. Heritage has developed a tutorial to help you learn about checking accounts before you have to start managing your money. Whether its your first checking or you just want to better understand how they work, the quick tutorial will make it easier. Learn basic check balancing, how debit cards work, when holds will be placed on your deposits and much more.
Finance 101
You may be starting out with a checking account but there are lots of things to learn about your future finances. If you are getting ready to start out on your own, our finance class explains important things in easy to understand language. Learn about savings goals, budgeting tips, understanding your credit, and how to keep your account secure.
CU Money card or debit card?
If you would like to learn finances with the help of your parents you don't need to have a checking account to do that. An alternative is a CU Money card. It is a prepaid reloadable VISA debit card. Use it at any merchant or ATM just like a debit card and track your spending online. The difference is that it is not tied to an account so only the money available on the card can be spent. Funds are loaded using any current HCU account, typically by a parent. For more information visit our CU Money page.
Learning doesn't have to be boring!
There are lots of great tools to help you learn about finances and still have some fun!
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Financial website for middle school students |  |
Financial website for high school students |
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Financial website for parents and students |  |
A lifestyle money magazine written for young adults, by young adults about the money side of life™. |
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Follow HCU on Facebook and Twitter! |
Educational Links
Googolplex
The credit union guide for student moneymakers.
Quarterlifecrisis.com
An active, supportive online community for twentysomethings transitioning to life in the “real world”. You can take surveys, connect with other twentysomethings, and access career resources.
Motleyfool.com
A site designed to educate, enrich and amuse individual investors around the world. Offers seven monthly investment newsletters covering a variety of investing styles.
Iwillteachyoutoberich.com
A blog on personal finance (banking, saving, budgeting, and investing) and personal entrepreneurship.
Feedthepig.com
A website that encourages you to take small savings steps today to build a solid financial tomorrow. Features financial calculators, weekly email savings tips and educational articles.
BrassMagazine.com
The web version of Brass Media's magazine. The site provides direct, intelligent, entertaining content to young adults about the money side of life.
Games
