Discovery Youth Accounts are a great way for kids to manage money, earn dividends and get rewarded for good grades.
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The Navigator Youth Checking account from First Service is a great tool for teaching young people about managing their money responsibly. Designed for teens from 15 - 17 years old, this checking account can help you ensure that your child is building healthy financial habits from a young age.
Get Paid for Grades
Teens get rewarded for their hard work by earning up to $10 for passing all subjects.47
When your teen gets paid for grades, they’ll be entered in a sweepstakes to win a cool prize, up to $300 in value.48
No Monthly Fee
Save your money for what matters with no monthly service charge.
No Minimum Balance
Start their account with just $1 and enjoy no minimum balance requirement.
Access On Your Terms
Manage your account and access your money anytime, anywhere with FIrst Service Digital Banking.
Zelle® Coming Soon
Send money to friends and family with Zelle108
Free Visa® Debit Card
Use your card or pair with your preferred digital wallet to make secure and simple purchases worldwide.
Receive your statements electronically for quick access.4
Your funds are federally insured up to $250,000.
We've made it even easier to submit your child's grades for our Semester Earnings & Semester Sweepstakes within First Service Digital Banking. Simply follow the steps below:
All First Service checking accounts give you the convenient tools you need to manage your account — anytime, anywhere.
Bank on your own schedule with 24/7 access to check your balances, make transfers, pay bills, and more.
Use our app to access your account and even deposit checks with your smartphone or tablet — it’s just a tap away!
Enjoy Texas-sized access at over 5,000 credit union branches and over 30,000 free ATMs nationwide.34
We know things don’t always go as planned. That's why your account gives you two ways to help you avoid overdrafts. You can create an extra line of defense for your account, by linking it to a savings account or line of credit.7
Plus, you can receive additional coverage with Courtesy Pay.8
If you accidentally overdraw your account, our two overdraft protections options will have you covered.
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 Discovery Youth Accounts - Semester Earnings: Account holder must pass all subjects/classes to receive Semester Earnings. Semester Earnings calculation is subject to approval. Semester Earnings will be deposited into the child’s Discovery Account. Account holders may only receive Semester Earnings once per semester. See the complete rules for more details. Offer is subject to change at any time.
 Discovery Youth Accounts - Semester Sweepstakes: No purchase necessary. Must have permission of parent or guardian if under the age of 18. All eligible automatic and manual entries, as provided in the Official Contest Rules, must be received before each January 31 for the fall semester and before each July 31 for the spring semester. By submitting an entry, you agree to be bound by the Official Rules. Offer is subject to change at any time.
 Zelle® Trademark: Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
 Paper Statement Fee: A recurring fee will apply if you choose to receive an account statement in paper form; refer to the Fee Schedule for details. To avoid the paper statement fee, log in to Digital Banking to change your statement preference to eStatements.
 CO-OP Shared Branching: Account access at CO-OP shared branches is available after 45 days of membership. Shared ATM access is available to members immediately.
 Overdraft Transfer Fee: A fee of $5.00 is assessed for each automated transfer from a savings or line of credit to cover an overdraft; refer to our Insufficient Funds and Overdrafts terms for more information.
 Courtesy Pay: Courtesy Pay is subject to a 30 day waiting period for new accounts and member must meet Courtesy Pay Qualifications. Opting into Courtesy Pay covers checks and ACH transactions plus one-time debit and ATM transactions. Transactions exceeding your established limit (and other types of transactions) will not be covered. After 20 days negative, any remaining Courtesy Pay limit will not be accessible and the full negative account balance must be repaid within 30 days. An NSF charge is imposed each time an item is presented against insufficient funds. The payee (or the payee’s institution) may re-present a previously returned item. Each presentment against insufficient funds will result in a separate fee charge of $30 each time First Service pays an overdraft.
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