It’s like riding a bike or crossing the street. None of us is born knowing how to manage money. But if we don’t learn to do it the right way while we’re still young, there can be consequences later in life.

That’s why Ardent is committed to helping young people develop good money habits. We offer both the products and the guidance needed to get them going in the right direction. At ardentmoneyninja.com, we offer educational (and fun) videos with real world financial advice for kids and help for parents on how to talk to their kids about money. Just think of it as training wheels for their financial independence.
 

Rookie Account

Give them a great head start to a bright future.

  • Exclusively for savers age 12 or younger*
  • No monthly fee
  • No minimum balance
  • Pays high rate of interest
  • 24/7 access to accounts with eBanking by phone, tablet or computer for joint owner
  • In-person transactions at any Ardent branch or locations in the Shared Branching network
  • Open at any Ardent location

Cash Account

This is where their money gets real. A spending account that’s one giant step toward adulting.

  • Exclusively for earners age 13 to 26*
  • No monthly fee
  • No minimum balance
  • ATM refunds up to $12 each month
  • Free debit card to make purchases or get cash
  • Smartphone app to control the debit card, set spending limits and get transaction alerts
  • Earn rewards points on debit card purchases when “credit” or “Visa debit” is selected
  • 24/7 access to accounts with eBanking by phone, tablet or computer
  • In-person transactions at any Ardent branch or locations in the Shared Branching network
  • Comes with a Stash Account that earns interest
  • Open online or in branch

Stash Account

This is where their money goes to grow. A savings account that pays them to tuck it away for the future.

  • Exclusively for savers age 13 to 26*
  • No monthly fee
  • No minimum balance
  • Pays high rate of interest on three tiers – the more you save, the more you earn
  • 24/7 access to accounts with eBanking by phone, tablet or computer
  • In-person transactions at any Ardent branch or locations in the Shared Branching network
  • Pair with the Cash Account for spending
  • Open online or in branch

* Primary accountholders under age 18 require an adult co-owner on the account.

FAQs

Primary accountholders between ages 18 and 26 will need to bring their social security number and a government-issued ID. If the primary accountholder is under 18, the joint owner of the account will need the child’s social security number and an identification card, driver’s license or passport, if they have one. As a co-owner, you’ll need your social security number and an ID, also. Remember, only Cash Accounts and Stash Accounts can be opened online. Rookie Accounts must be opened in branch, due to federal regulations.

Unfortunately, due to tax implications we are unable to convert current custodial accounts. You may choose to maintain both accounts or the custodial account can be closed and funds can be moved to this account.