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BTC Bank

Youth Accounts

A mother and young daughter putting money in a piggy bank

Financial literacy starts at a young age, which is why we’re proud to offer a variety of programs and products to set the next generation up for success.

Teach kids to save from a young age, empower them to take the next step in their financial journey with a checking account, or reward them for their hard work in the classroom. Whatever your family’s goals, our friendly team is here to help encourage good money habits.

Youth Checking Account

  • Checking account designed for customers under age 18
  • $100.00 minimum deposit to open
  • Joint ownership with parent/guardian required
  • Mascot Debit Cards are available for Youth Checking Accounts! For each swipe, BTC Bank will donate 7.5¢ to the school or organization represented on the card. 

New Horizon Youth Savings Account

  • Savings account designed for customers under age 18
  • $1 minimum deposit to open
  • Interest bearing account
  • Account opening gift
  • Joint ownership with parent/guardian required
As part of the New Horizons Youth Savings Account, we offer additional supportive programs to reward youth and teach them the value of saving!

Grade Card Rewards

Students with a New Horizons Youth Savings Account can make up to $10 per semester by bringing their report cards to a BTC Bank branch during the months of May and December. Earn $2 for every A - it's money in the bank for making the grade!
  • Twice annually, once per semester in May and December
  • $2.00 per “A” or equivalent
  • Up to $10.00
  • Directly deposited into child’s account

Feed the Pig

BTC Bank provides a free piggy bank at the time of opening at New Horizons Youth Savings Account. Fill up the piggy bank, bring it into your branch to deposit into the account and receive an additional $5.00 added to the total deposit up to two times per year. All funds will be directly deposited into the child’s account.

BTC Bucks

After opening a New Horizons Youth Savings Account or Youth Checking Account, your child will receive “BTC Bucks” valued at $5.00 in the mail. Bring the “BTC Bucks” into your branch to redeem and $5.00 will be deposited into the account.

FFA SAE and 4-H Project Loans

BTC Bank is proud to empower our youth by offering FFA SAE and 4-H Project loans. For more information about the program, view FFA SAE and 4-H Project Loan details

Open an Account

We serve the banking needs of communities throughout Missouri & Lamoni, Iowa, and offer our customers access to a nationwide ATM network. Call or visit your local BTC Bank branch to get started today.


Debit card icon

School Mascot Debit Cards

The Mascot Debit Card is available for new accounts
or replacement card for an existing account.

Boy icon AYBC

BTC Area Youth Benefit

Empowering area youth to become strong
community leaders.