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Youth Accounts

Good habits start early

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Amazing Coming-of-Age Financial Stories Begin Here

Explore our exciting options for young people beginning their financial journey.

Youth Club Accounts

Pick an account type and help lay a solid financial foundation for every young person in your family.

Family and baby

Neches Baby

Requirements: Newborn to 1st Birthday

Neches will deposit $5 and open you baby’s first savings account (when you bring your baby’s social security number into a Neches branch before baby’s first birthday).

Little girl watering her garden

nGage

Requirements: 1 to 12 years of age
(opening deposit of $5)

 

  • nPower Checking Account for ages 8 to 17
  • Custom Newsletter
  • Invitation to our Annual Kid’s Day
  • Personalized Membership Punch Card
  • Ncredible Grades- make all A’s & B’s and have a chance to win $100
  • Birthday card with special goodies inside
Open online
Teenage boys hanging out in a bedroom

nSpire

Requirements: 13 to 17 years of age
(opening deposit of $5)

 

  • nPower Checking Account for ages 8 to 17
  • Debit Card with Rewards
  • Youth Credit Card
  • Ncredible Grades- make all A’s & B’s and have a chance to win $100
  • Monthly Events (free coffee nights, financial seminars, community projects)
  • Financial Education
Open online
Young women working on a computer at college

nControl

Requirements: 19 to 25 years of age
(opening deposit of $5)

 

  • Debit Card with Rewards
  • Credit Card with Rewards
  • 2% discount for first time borrowers (some restrictions may apply)
  • 0% Computer Loan (some restrictions may apply)
  • Financial Education
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nPower Program: Join the Movement

The Neches Youth Debit Card (for ages 8-17 years of age) empowers parents to teach their kids about the importance of saving and smart spending.

NoFees

No Monthly Subscription Fee

Keep more of your money in the family — pay no monthly subscription fees.

Reward

Rewards for Everyday Purchases

Let your child discover how to spend smart with rewards for everyday transactions.

Graph

Earn Interest

Learn the power of saving with interest up to 10.00% APY* on the first $500 in the account.

ATM

Surcharge-Free ATMs

No fees are added when your young one uses their Neches Youth Debit Card at a surcharge-free ATM.

Debit or Credit Card

Instant Issue Debit Cards

Time is of the essence — receive your debit card instantly upon approval.

Shield

Parental Control Options

Stay in control — receive real time debit card alerts, turn a card on or off instantly, monitor transactions, and easily transfer money.

You May Also Be Interested In…

Student Loans

We believe in your future — learn about borrowing for education costs with Neches.

Learn more

Credit Cards

Neches would like to introduce your new favorite way to spend smart.

Learn more

Open a Youth Account Today

Pave the path to financial success for the youngest in your family.

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Call Us
409-722-1174
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Disclosures

*An Annual Percentage Rate (APR) of 9.57% will be paid only for that portion of your average daily balance (ADB) that is between $50.00 and $500.00. You must maintain a minimum ADB of $50.00 to obtain the disclosed APY. The ADB is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. The annual percentage yield (APY) for this tier will range from 9.57% to 10.00%, depending on the balance in the account. If your ADB is $500.01 or more, the APR paid on this tier will be 0.10% with an APY of 0.10%. nPower Checking Accounts are for minor members age 8-17 only. One nPower Checking Account per minor member. Some restrictions may apply. Subject to change at any time.