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Minor Savings Account

The Timberline Kid’s Club turns saving into an adventure—helping kids build smart habits and big dreams, one dollar at a time.

Start Good Habits Early with a
Minor Savings Account

At Timberline Bank, we believe financial confidence starts young. That’s why our Minor Savings Account (MSA) is designed for children and teens—with built-in parental oversight and fun, hands-on tools that encourage smart saving habits from the very beginning. 

As your community bank, we’re proud to offer programs like the Timberline Kids’ Club—making it easy (and exciting) for young savers to learn, grow, and take pride in their financial future. 

Why Open a Minor Savings Account at Timberline?  

Saving money should be rewarding — and at Timberline Bank, it is! We make saving money approachable for kids and practical for parents. Our Minor Savings Account is more than just a place to hold money. It’s a tool to build lifelong financial habits. 

Here’s why families across the Western Slope trust us to get their kids started: 

  • Just $5 to open – our lowest minimum balance account. A minimum daily balance of $1,000 is required to earn interest.
  • No monthly maintenance fees
  • Parental co-signers can access and monitor the account activity through their Timberline online banking profile.
  • A fun, in-branch experience that supports early financial education
  • Eligibility for Round-Up Savings, helping you grow their savings automatically
  • Kid’s Club rewards to celebrate regular saving habits

Welcome to the Kid’s Club: Where saving comes with a little extra sparkle.

Every child who opens a Minor Savings Account is invited to join the Timberline Kids’ Club and receive a Kid's Club Membership Card.

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EVERY SWIPE COUNTS 

With Timberline Bank’s Round-Up feature, you can link your debit card to your child’s savings account . Every purchase you make rounds up to the nearest dollar—and the spare change goes straight into their savings.

It’s a simple, hands-free way to teach kids about saving and make everyday spending go further.

Why Timberline Bank?

Community Focus
When you bank with us, you are giving back to your local community. When you work with Timberline, you work with your neighbors – not call centers.
One Bank, Full Service 
Streamline your banking with a Minor Savings Account from the same trusted team you already know.
Fee-Free and Easy to Manage
As the Community Bank of the Western Slope, you’re more than an account number. Our accounts come with no monthly maintenance fees.

Common Questions about Kids Savings Accounts

What is a Minor Savings Account (MSA)?

Timberline Bank’s Minor Savings Account is a fee-free savings option designed to help kids and teens build strong financial habits from an early age. With as little as $5 to open, it’s a simple way to start your child on the path to financial confidence. 

Is there a minimum age to open an MSA?
Nope! You can open a Minor Savings Account at any age—as long as a parent or legal guardian is listed on the account and you provide the child’s date of birth and Social Security number. 
Do I need to be a legal guardian to open an account for a child?
Yes. A parent or legal guardian must be a co-signer on the account when opening a Minor Savings Account. 
What happens to the account when my child turns 18?
About a month before your child’s 18th birthday, you’ll receive a letter explaining next steps. Unless you choose otherwise, the account will automatically convert to an Evergreen Savings account with the same signers. You’re also welcome to visit a branch to make changes, such as removing parental signers. 
Can my child have a checking account too?
Yes! Timberline offers a free, paperless checking account for minors (with a $100 minimum opening deposit). It includes a debit card and online access so teens can safely learn how to manage money with a little more independence. 
Are there special benefits to opening a Kid’s Club Account?
Definitely. When kids visit a branch to make a deposit, they can pick a prize from our Kids’ Club Corner—or even grab a soda! It’s a fun way to build the habit of saving and make banking a positive experience. 

WE'RE HERE FOR YOU

Let’s Grow Their Savings—Together

Open a Minor Savings Account with Timberline Bank and help your child build lifelong financial habits. We make saving feel exciting—for both of you. 

 

1 Prizes are provided as part of our in-branch rewards program and have no cash value.