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Youth Accounts

It’s never too early to learn smart money habits.

Lake City Bank offers youth-friendly solutions that help kids, teens and young adults build financial responsibility — from their very first checking account to parent-guided debit cards.

StartSmart

Banking made simple for students. StartSmart is a checking account for ages 14–23 that helps you learn while you bank. There’s no monthly fee, no overdraft or NSF fees until age 24, and easy tools to help you manage your money responsibly. Explore StartSmart

FamZoo

Parent-supervised spending for kids and teens. With FamZoo, families can safely introduce money management principles to kids through prepaid debit cards. Oversee, manage and set controls for the account–all within Lake City Bank Digital. Explore FamZoo

StartSmart

Banking made simple for students

Designed for ages 14–23, a StartSmart1 account is the perfect first checking account. With no monthly fee, no overdraft or NSF fees until age 24, and tools to manage money responsibly, StartSmart helps you learn while you bank.

Highlights

  • $25 minimum deposit to open
  • Debit card with daily transaction limits
  • Access to Lake City Bank Digital for 24/7 money management
  • Pay with Apple Pay®, Google Pay™ and Samsung Pay™

Smart Tools Included

  • Goals2 — your digital savings coach. Create goals, track progress and set automatic transfers to stay on track.
  • SpendSave — round up debit card purchases to the next dollar. Choose to build savings or give to a verified charity3 of your choice.

Call our One Call Center at (888) 522‑2265 for more information, or drop in one of our branch locations for more information or to open an account. Or click below to apply online. You must be 18 years old or older and have a valid state-issued form of identification to open a StartSmart account online. If you are age 14–17, you may open an account in person at a branch location near you.

Apply Now

1See Personal Account Terms and Conditions, StartSmart Administrative Charges disclosure and the StartSmart product disclosure for details or call our One Call Center at (888) 522‑2265. 
2Goals, as referred to herein, constitute the Goals Account described in Section E Investment Accounts of the Personal Account Terms and Conditions.
3Fees apply for SpendSave for Impact donations. Refer to Lake City Bank’s SpendSave product disclosure for more information. 
Google Pay is a trademark of Google LLC. Apple Pay is a trademark of Apple Inc., registered in the U.S. and other countries. Samsung Pay is a registered trademarks of Samsung Electronics Co., Ltd. 

FamZoo

Parent-supervised debit cards for kids and teens

Lake City Bank has partnered with FamZoo to build good money habits early. Their prepaid debit cards are designed specifically to prepare kids for financial responsibility in a safe, parent-moderated platform.

Enroll today and get your first month free!1

FamZoo is a subscription service available to Lake City Bank customers through My Toolkit in Lake City Bank Digital. To enroll, simply sign into Lake City Bank Digital and navigate to My Toolkit on the menu. Select the FamZoo icon and follow the on-screen prompts to begin set up and place your initial card order.

Not enrolled in Digital? You can sign up here.

If you have questions, please click below to review a helpful list of frequently asked questions. You can also send us an email, start a live chat with us by clicking the chat bubble on your screen or call our One Call Center at (888) 522‑2265.

FamZoo Frequently Asked Questions

Terms and conditions apply to using FamZoo. Please read FamZoo’s terms of use agreement here. Please read FamZoo’s cardholder agreement here.
1After the first month, the subscription cost is $5.99 per family per month.
2FamZoo debit cards do not earn interest on any balance.
3Additional fees may apply. Please read FamZoo’s fee disclosure here.
4When enrolled through Lake City Bank, the one-time fee is waived for additional cards.
Apple Pay is a trademark of Apple Inc., registered in the U.S. and other countries.
Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

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