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Benefits of a First Community Youth Account: 

  • Establishes your membership to First Community
  • Learn money management fundamentals
  • Earn competitive dividends
  • Dividends calculated daily, paid quarterly
    • $25 minimum balance to earn dividends
  • Enjoy cool features, prizes and rewards for school performance
  • Ages 0 to 12 automatically enrolled in Rising STARS
  • Ages 13 to 18 automatically enrolled in genNOW
  • No monthly maintenance fee
  • Free digital banking services
  • Free telephone banking
  • $1 minimum balance requirement
  • $1 minimum deposit to open

Looking to save big for a particular goal? Check out our First Star Certificate of Deposit.

Want to learn more about money management and prepare for your future? Check out our interactive learning center.

We also offer some cool classroom presentations.

All members age 12 and under are automatically enrolled in Rising STARS, a savings account that encourages smart saving habits and financial responsibility.

STARS stands for Savings, Teamwork, Activities, Report Cards and Schools.

Special Features

  • Savings folder — earn stickers for each deposit and redeem for a prize once the folder is filled*
  • Coin saver card
  • New account gift
  • Invites to exclusive youth events at discounted prices 

A's Reward Program

Children 12 and under receive $1 for every A** he or she receives on 1st/2nd semester, or 1st/3rd trimester report card. Simply have your student bring their report card into any First Community branch, and we’ll reward them for the hard work they’ve been putting in. Please see the list below for a list of eligible subjects.

Eligible subjects include: 

  • Memory
  • Geography
  • Science
  • Math
  • Writing
  • History
  • PE
  • Computer
  • English
  • Reading
  • Drama
  • Music
  • Religion
  • Home Ec/FACS
  • Theater
  • Health
  • Choir
  • Social Studies
  • Literature
  • Oral Language
  • American Studies
  • Foreign Language
  • Grammar
  • Spelling
  • Speech
  • Art
  • Language
  • Culture

*Each $10 saved earns a sticker. Reach $200 to receive a special prize each year. Prize redeemable upon request and only for deposits made within the previous 12 months. 

**Rising STARS accounts are for members birth through age 12. Rising STARS receive $1 for each ‘A’ (or equivalent) on their report card in the approved subjects. Report card rewards program begins with kindergarten report card.  Please see branch representative for the list of approved subjects. Rising STARS will receive deposit at time of report card submission. Report cards are only accepted after the 1st Semester/Trimester and 2nd Semester/3rd Trimester. Deadline for all report cards is August 31st following the completed school year.

This cool account (with lots of freebies) is designed to help students ages 13 to 17 learn the basics of money management. As long as they’re enrolled in high school, they can save money and enjoy exclusive features.


  • Members 13 and up can have a checking account if an adult is listed on the account
  • Mobile deposit within mobile banking*

Honor Roll Program

We reward students for good grades. Teenagers 13 to 17 years old receive 2 tickets to Marcus Theaters each semester (or 1st/3rd trimester) for making their school's A/B Honor Roll.**  

Bring us proof of this accomplishment and walk out with your tickets! Proof includes newspaper recognition, letter (or certificate/report card) from your school showing all A's and B's for the semester. 

We recognize and honor the hard work you’re putting in! 

*Terms and conditions apply for mobile deposit. See our digital banking page for more information.

**Deadline for all report cards is August 31st following the completed school year. Two tickets given per semester or trimester. Report cards are accepted after the first semester/trimester and 2nd semester/3rd trimester. 


Important Information About Procedures for Opening a New Account

To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account, including joint owners and authorized signers. What this means for you: When you open an account, we will ask for your name, address, date of birth, social security number or tax payer identification number, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.