Minor Checking
Encourage strong financial habits from a young age with a checking account built specifically for younger individuals.
- A minimum deposit of $100.00 is required to open.
- Only available to children under age 18. Joint account ownership with parent/guardian required.
- Dormant Account Fee of $1.00 per month charged after 12 months of inactivity on balances below $100.00.
- Show your school spirit with a Mascot Debit Card.
New Horizon Youth Savings
Teach the value of saving for the future with a savings account built with them in mind.
- A minimum deposit of $1.00 is required to open.
- Interest-bearing account. Contact us for current rates.
- Only available to children under age 18. Joint account ownership with parent/guardian required.
- Dormant Account Fee of $1.00 per month charged after 12 months of inactivity on balances below $100.00.
School Mascot Debit Cards
Choose a debit card with your favorite local school’s mascot on it and we’ll donate to that school for every swipe made!
- Available for new checking accounts or as a replacement debit card for an existing account.
- 7.5¢ donation made for each swipe.
- Support your local school or university.
- Show your school spirit at no cost to you.
FFA SAE and 4-H Project Loans
Loan funds may only be used to pay expenses associated with the approved project. Examples include:
- Purchase of livestock, seed, feed, equipment and supplies.
- Purchase or repair needed tools and equipment.
- Rent property or equipment.
Through close collaboration between the borrower, project advisor and loan officer, the borrower will also gain skills in record keeping, budgeting and loan repayment. For more information, view the FFA SAE/4-H Loan rack card.
Why a Community Bank?
At BTC Bank, investing locally enables us to support our communities and their unique needs. Unlike large commercial banks, the money you deposit with BTC Bank stays local, growing the economy and creating jobs. Banking with a community bank is like shopping local—it keeps money in the community and helps it thrive.
Grade Card Rewards Program
Hard work in the classroom deserves an award! Twice annually (once per semester), students with a New Horizons Youth Savings account can bring in their report card and earn:
- $2.00 per "A" or equivalent
- Up to $10.00 per semester
- Funds deposited directly into child's account
Feed the Pig Program
Making saving more fun with our Feed the Pig Program. When your child opens a New Horizons Youth Savings account:
- Free piggy banks are provided at account opening.
- Fill the piggy bank and return it to your branch.
- Full piggy banks are redeemed for an additional $5.00 added to the total deposit up to a maximum of two times per year.
- Funds directly deposited into child's account.