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Step Up Checking

Help your kids take their first steps toward financial independence with Step Up Checking. Open their account today to get them started out on the right foot!

Kids get their very own debit card!

Debit Card Power

Give your kids the financial freedom of a debit card! Equip them with purchasing power at an increasing number of cashless venues and let them learn to spend responsibly while keeping track of their transactions. Preset debit card limits lower risk and fraud exposure while still allowing for the convenience of card payments.
 

Their Money, Your Control

Parents have full access to monitor account activity, set flexible controls, and get real-time transaction notifications. Parents can also help guide kids on their financial journey with automatic transfers. Easily send money to pay for chores, allowances, birthday presents, and more.
 

Safety First

Rest easy knowing Step Up Checking prioritizes your safety. Advanced fraud protection and account monitoring services ensure your money is secure every step of the way.
 

 
  • Available for kids age 17 and younger with a parent/guardian joint account owner1
  • No monthly service charge or minimum balance requirements
  • No Bounce Protection or checks offered on the account
  • $25.00 minimum opening deposit
  • Free Online, Mobile, Text, and Telephone Banking for parent/guardian account owner2
  • Free Mastercard® debit card in child’s name
  • Free fraud-prevention account monitoring and fraud alerts3
  • Parent/guardian enrollment in Online Banking, electronic statements (eDocs)4 and Brella Card Management required at account opening 
  
 

1 For parents/guardians interested in teaching their child how to manage money using a debit card with the child's name on it. The parent/guardian is an owner of this account and must have an online profile. To promote parental controls and guardrails, only the parents/guardians who open the account can fund or manage it. Step Up Checking accounts can be opened for the benefit of a child age 17 or under. Once the child has reached the age of 18, the account will be converted to a High Performance Checking account.

2 There's no charge from Bank of Advance, but message and data rates may apply.

3 Delivery of alerts may be delayed for various reasons, including service outages affecting your phone, wireless or internet provider; technology failures; and system capacity limitations. Any time you review your balance, keep in mind it may not reflect all transactions including recent debit card transactions.

4 If enrollment in eDocs is not maintained, a $3 monthly paper statement fee will be applied.


Kids holding hands and running across a bridge.

Kids Club
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