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Routing Number: 273976369

Our unique, nine-digit number that functions as an address for your bank.

What to know about our youth accounts

$5 minimum deposit

Establish your child's membership with an initial deposit.

No service fees

It's your money, keep more of it at Veridian.

Interest earning

Unlike a piggy bank, our youth accounts earn (Show Rate) APY*.

Joint ownership

Parents, grandparents or guardians who are Veridian members serve as a joint member on the account.

24/7 access to online banking

Check balances and make transfers as needed in real time.

Debit card eligibility

Teen accounts have the option to include a debit card.

Federally insured

Funds up to $250,000 are federally insured by NCUA.

Youth account options

Youth Accounts


  • Savings account specifically built for
  • age 12 & Under
  • Interest Rate  (Show Rate) APY*

  • Free piggy bank

  • Membership and birthday cards

  • Invitations to family-friendly events

Youth Accounts


  • Accounts specifically built for
  • ages 13 - 17
  • Interest Rate  (Show Rate) APY*

  • Savings and checking account options

  • Eligible for a debit card

  • Access to online banking and mobile banking

Youth Accounts

Youth Certificatesof Deposit (CD)

  • Terms between 12 – 60 months
  • (Show Rate)
  • APY*
  • $100 Min. balance
  • Earns more interest

  • Select your term

Introducing...Penny & the Youth Saving Crew

Penny and her friends, Peso, Cash and Nicki are here to help your child learn about the importance of saving money. Visit their homepage to get activities, coloring pages, books and videos to teach your kids about saving money.

Start Adventuring with Penny
Penny's Adventures

Frequently Asked Questions

Kids 12 and under are eligible for a Penny’s Adventures savings account. Teenagers ages 13 through 17 are eligible for teen savings and teen checking accounts. All youths under 18 years old are eligible for youth CDs.

Yes. Youth and teen accounts must be opened by an adult parent or guardian.

Youth and teen accounts are totally free and only have a $5 minimum balance.

Youth CDs earn up to (Show Rate) APY* but only require a $100 minimum balance.

You can choose any term between 12 and 60 months.

Teenagers aged 13 – 17 can get a debit card for their teen checking account. Debit cards are not available for teen savings or youth savings accounts.

Children, age 12 and under, are part of the Penny’s Adventures youth program when they have a youth savings account. Penny’s Adventures members receive a free savings bank, membership card, birthday card, invitations to family-friendly events and more.

Find a Branch Near You

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Serving all 50 states digitally with branches in Iowa, Nebraska, and Minnesota.

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