Marine Bank offers you peace of mind by providing savings accounts for kids. You can monitor your child’s accounts and their activity while teaching them how to be fiscally responsible with their own account. The best part is, all of this is easily available to you any time through your mobile device or computer. Our online banking and Marine Bank app conveniently give you access to your accounts whenever and wherever you need. Because no matter where you are, we’re with you!

Minor Savings

Saving for Your Child Now

Help set your child out on the right foot financially from an early age. Your child will be a joint owner of the account, and you can help teach them the principles of banking – deposits, withdrawals, and the importance of savings!

Parental Guarantee Checking

Teaching Your Child Healthy Money Habits Today

When your child gets their first job and their first set of wheels, we’re there for them. Children ages 16-17 are welcome to apply for a Parental Guarantee Joint checking account with their parent or guardian. They’ll love having a debit card that they can use to access their funds. As a joint owner, you’ll be able to see how the account is being managed. 

UTMA Savings

Save for Your Child's Future

Set aside funds on behalf of a child, according to the Illinois Uniform Transfer to Minors Act. As the custodian, you are the only one with access to the funds. Once the child turns 18, we are happy to assist you and the young adult with transferring the funds to a more suitable account.


Compare all Savings Accounts for Children

  Minor Savings Parental Guarantee Checking UTMA Savings
Age Requirements Under 18 and able to sign/print own name 16-17 Under 18
Does the minor sign a signature card? Yes Yes No
Are debit/ATM cards allowed? No Yes ($300 credit, $100 Point of Sale/ATM) No
Is online banking allowed? Yes, for the parent/custodian Yes Custodian may "View Only" - no transfers
Are service charges waived? Yes No Yes
ID required from minor to open Social Security Card, School ID (if they have one) Social Security Card, Driver's License or State-issued ID Social Security Card
Other Notes None None This account cannot be revised once the minor turns 18. It must be closed and a Marine Bank employee will be happy to assist in transferring the funds to a new account.



If you have questions or need assistance,
we are happy to assist you. Please use
our online chat or call our Help Desk Team
at (217) 726-0660.

Digital Banking

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