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Youth Accounts

Available for ages 0-17! We believe that sound money management skills can and should be developed at an early age. From saving for your first bike, to monitoring your spending while following a budget, these skills will pay lifelong dividends.

Decem-BEAR Youth Account Contest

Save small & dream big with our youth accounts

Available for ages 0-17! * Adult joint account owner required. Adult can control daily cash withdrawal limits.

Sprout Youth Account

Sprout Savings

Growing children into financially successful adults, starts with giving them a little independence with a Sprout Savings Account.

  • For ages 0 through 11
  • Self-titled savings clubs for bikes, etc.
  • Annual birthday greeting & surprise
Thrive Teen Accounts

Thrive Savings

Teens with earnings from part-time jobs and chores learn responsible banking and the value of saving with a Thrive Savings Account.

Thrive debit card new

Thrive Debit

Thrive is a “checkless” teen checking account powered by an ATM/Debit card and awesome eServices.

  • For ages 12 through 17
  • Added safeguards and parental controls
  • Built-in Oops protection
New Debit card available

New card design is Now Available!

Get excited! The new debit card has a new look and enhanced payment features!

Your youth account includes:

Available for ages 0-17, Midcoast’s Youth Accounts will help your child build sound money management skills that will pay lifelong dividends. It all starts with a $5.00 Deposit!

No monthly service fees

Save small and dream big. Your account will grow right along with you, without any monthly service fees to worry about.

Accessible nationwide

We’ve partnered with over 5,700 credit union locations nationwide (Co-op shared branching) to allow you surcharge-free access to your Midcoast accounts all across the country.

Easy to use, eServices

From a “snapshot” balance display to creating self-titled savings clubs, managing funds couldn’t be easier with eServices.

Additional safeguards

From Oops protection to added parental controls, you can manage your money with confidence.

Thrive Account Free Gift

Receive a clear concert bag when you open a Thrive Youth Account!

Perfect for stadium entry to sports games, concerts, or everyday use. While supplies last, open a Thrive account, and receive a free clear concert bag!

Youth special purpose savings club account

Save for that new bike with a Youth Special Purpose “Club” Savings Account

The perfect tool for helping kids save up for a specific item or event. With customizable titles, the Youth Special Purpose “Club” Savings Account helps keep kids engaged while working to meet their savings goals.

Thrive ATM/Debit Card for teens - new card design

Thrive ATM/Debit card

Make purchases and cash withdrawals online or in person with their own debit card! Thrive Debit is a “checkless” teen checking account powered by an ATM/Debit card. Mobile Wallet compatible, your teen can make contactless purchases with their smartphone or smartwatch!  The Thrive ATM/Debit Visa® card accommodates Apple Pay®, Google Pay™, and Samsung Pay™.
The ATM/Debit card can be used anywhere Visa is accepted. It also offers access to 250+ Surf surcharge-free ATMs all around Maine, and over 5,700 Co-Op Shared Branch locations at other credit unions nationwide.

Youth accounts feature digital banking

Digital Banking with eServices!

Thrive Debit offers free eServices. Teens can access financial tools that will help them keep track, use, and manage their funds.  

From the snapshot instant balance view, to low balance eAlerts, and mobile check deposit, your teen has everything they need, right at their fingertips – just a click, or a toggle away!

Our Digital Banking platform has the same look, feel, and functionality across all devices: computer, tablet and mobile device, so their money can be managed anywhere, anytime.

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