Bank First Kids' Club

Every parent’s dream is for their child to succeed — and we want to help.

Whether you're teaching your child the basics of saving or setting aside a meaningful gift for their future, our Kids’ Club accounts are designed to grow with your goals. Explore two great options: a standard savings account just for kids, and a UTMA custodial account that helps secure financial gifts or inheritance for when they’re ready to take the next step.

Kids’ Club Features:

Available to kids under the age of 18¹
Birthday gift every year²
No initial deposit or ongoing balance requirements
Earns competitive variable interest rate (interest compounded quarterly)
Benefit from higher interest rates with tiered rates at the following levels: $2,499.99 & Under | $2,500.00–$9,999.99 | $10,000.00–$24,999.99 | $25,000.00 & Over

Kids Savings Games & Activities

Play free educational games online and learn more about coins!

Click Here

Kids’ Club UTMA Features:

The Uniform Gifts to Minors Act (UTMA) account includes all the benefits of a Kids’ Club account, plus:

A custodial account designed to hold financial gifts or inheritance for your child’s future
Funds are managed by a custodian until the child reaches the age of majority (typically 21 or earlier)
Ownership of the funds transfers to the child when they’re ready to open an account of their own

Digital Banking Features:

Access your account anywhere with Online Banking or our convenient goBank Mobile App
Stay informed with real-time account alerts
Deposit checks anywhere, anytime with Mobile Deposit
Access eStatements up to 18 months for easy record-keeping
Free 24/7 Telebanc (telephone banking)

Ready to Open an Account?

Apply online or visit a nearby location to get started with personal support. Existing Bank First customers may also open an account within digital banking. (Login)

To Apply Online, You Must Be 18 years or older (or an adult in the session) and a legal resident of the United States. New applicants must be Wisconsin residents and provide a physical address (PO boxes cannot be used).

What You'll Need for Each Applicant (minor, joint account holder, or custodian): Social Security Number, proof of date of birth (e.g., birth certificate, passport, or driver’s license), and physical address.*

Looking to add another account? Easily edit your cart once you begin your application.

For your convenience, you can save your progress and return anytime. The application is designed to be simple and works from your phone, tablet, or desktop.

APPLY NOW View All Savings Options

¹The interest rate is variable and subject to change after account opening. Birthday gift limited to one per child. At the age of eighteen (18), the account will be converted to a First Savings account.
²No purchase necessary. Must be redeemed at any Bank First office within 60 days of child’s birthday to receive the $10.00 account credit, which will appear on your next statement. Limit one birthday gift per child, per year.

*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.
What This Means for You: When you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.