A StartSmart1 account gives you everything you need to start banking!


  • Designed to be your first bank account – the primary account owner must be between ages 14-23 to open a StartSmart account
  • $25 minimum deposit to open
  • Lake City Bank Digital – manage your money 24/7 from any device, anywhere
  • Debit card with daily transaction limits for responsible money management
  • Pay with Google Pay™, Apple Pay® and Samsung Pay™
  • No Monthly Maintenance fee
  • No Overdraft or NSF fees until the primary account owner reaches their 24th birthday
  • A StartSmart account is a personal checking account with access to savings tools, like Goals2, through Lake City Bank Digital

Goals – meet your new savings coach!

When you open a StartSmart account and enroll in Lake City Bank Digital, you have access to Goals – our savings coach to help you achieve small or large savings goals. Goals calculates how much you need to save each week or month to hit your goal based on the amount and target date you enter when you create a goal. Best of all, you can setup automatic transfers from your StartSmart account to Goals to keep you on track.

Learn More About Goals

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.

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. 

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