Is Our Navigator Youth Checking Account Right for Your Teen?

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.

Navigator Checking Features

    Free Visa® Debit Card

    Use your card or pair with your preferred digital wallet to make secure and simple purchases worldwide.

    Access On Your Terms

    Manage your account and access your money anytime, anywhere with FIrst Service Digital Banking.

    Get Paid for Grades

    Teens get rewarded for their hard work by earning up to $10 for passing all subjects47

    No Minimum Balance

    Start their account with just $1 and enjoy no minimum balance requirement.

    No Monthly Fee

    Save your money for what matters with no monthly service charge.

    Semester Sweepstakes

    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


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:

  1. Once you’ve logged in to digital banking, navigate to Semester Earnings under Accounts in the menu.
  2. Select the youth member whose grades you will be submitting.
  3. Follow the prompts on-screen to upload the youth member’s report card, then fill out the form with the subjects and grades from the student's report card.
    • Please note, the student's GPA and reward payout will be calculated automatically.
  4. Click Submit, and the earnings will be submitted to our team to be deposited into your account.


Overdraft Protection

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.

Financial Resources for All Life's Adventures

No matter what stage in life you’re in, we’ve got you covered with articles, tips and financial advice to help you achieve your goals.

Step One

Starting Out

Lay a solid foundation with basic financial advice on budgeting, debt management, buying your first home, and more.

Step Two

Family Life

Tackle life as a team and win big with tips for maintaining your home, preparing for a baby, and more.

Step Three

Planning for the Future

Plan for all of your goals with advice on saving for the future, making the most of your retirement, and planning your legacy.