Empowering Teens for Financial Independence
Smart Saving Starts Now
My Linc Jr is designed just for teens (ages 13–18), offering savings and checking solutions that support financial independence with real-world experience.
- Higher Yield Savings: Earn more than a standard share account with tiered APYs.
- Debit Card Access: Includes safety limits to promote smart spending.
- Zogo Learning Requirement: Teens complete guided financial education to unlock debit card access.
- Parental Involvement: Account opening requires a parent, guardian, or trusted adult.
My Linc Jr Checking
Teens can access a checking account with built-in protections and learning opportunities.
- Ages 13–15: Must open with a parent or legal guardian.
- Ages 16–18: May open with anyone over 21.
- Debit Card Limits: $400 for purchases, $200 ATM withdrawal limit.
- No Overdraft: Declined transactions teach financial awareness.
- Transfers: Easy between checking and savings via online or mobile banking.
My Linc Jr Savings Rates
Start building your savings with competitive rates that grow as your balance grows:
| Balance Tier | Annual Percentage Yield (APY) |
|---|---|
| $25.01 – $500 | 0.20% |
| $501 – $1,000 | 0.25% |
| $1,001 – $5,000 | 0.30% |
| $5,001+ | 0.35% |
*Rates accurate as of 3/31/2025. APY = Annual Percentage Yield. Subject to change.
Meet Linc the Loon – Your Savings Sidekick!
Linc is here to cheer you on as you learn, save, and grow with My Linc Jr. Follow his journey, unlock rewards, and make smart money moves!
Ready to Join?
Contact us or visit our branch to get started with a My Linc Jr account today!