支票账户
Develop smart financial habits with a 青少年 Volt checking account, 免费借记卡, 而且没有透支费.
储蓄账户
看着你的积蓄迅速积累起来,赚3美元.余额高达$1,000*,年利率为00%.
得到 更多的 青少年伏特帐户.
教育就是一切. 除此之外,还可以让青少年免费存钱,培养强大的理财技能, 我们解释网上加拿大28软件是如何工作的. We walk them through how to best utilize our products and services, building smarter spending and saving financial habits.
![](http://7qx8.asolution-guides.com/hs-fs/hubfs/assets/images/icons/block/block-more-savings.png?width=58&height=58&name=block-more-savings.png)
更多的储蓄 & 收益:
- A savings account can add up quickly for members by earning 3.存款余额最高可达$1,000,年利率为00%.
- 没有透支费——我们是认真的. 伏特青少年加拿大28软件支票帐户的成员年龄13-18是比完全免费检查. 没有透支费. 真的.
- At age 16, Volt members can apply for a Visa Rewards Card. This card will have a sensible credit limit and a low interest rate, and will let you start building up rewards points that never expire. 但为了让你的父母不担心,我们要求你在18岁之前有一个共同签名.
![](http://7qx8.asolution-guides.com/hs-fs/hubfs/assets/images/icons/block/block-more-control.png?width=150&height=150&name=block-more-control.png)
更多的控制:
- 给朋友寄钱 Zelle. Pay friends through the Arbor Financial mobile app. There's no need to download any other software or third-party app, 我们都为你准备好了.
- 快速结余:设置快速结余,这样你就可以在不登录的情况下看到你的账户里有什么.
- 转账: 轻松地从父母的账户中获得资金.
- ATM Access: Your 伏特少年加拿大28软件 debit card will let you use over 30,000台合作自动取款机随处可见, 免费, 全国范围内. 找到一个免费的自动取款机 今天.
![](http://7qx8.asolution-guides.com/hs-fs/hubfs/assets/images/icons/block/block-more-education.png?width=150&height=150&name=block-more-education.png)
更多的教育:
定期, we'll put on events in schools and here at Arbor Financial, 用来解释以下事情:
- 如何管理储蓄 & 支票账户
- 借记卡和信用卡的区别
- 如何设定明智的理财目标
- 什么是信用评分,为什么它很重要
- 预算编制基础
Plus, as a member, you'll be eligible for our annual scholarship program. 我们很荣幸地奖励10美元,为会员高中生提供1万美元的奖学金,帮助他们通过高等教育改善生活.
![](http://7qx8.asolution-guides.com/hs-fs/hubfs/assets/images/icons/block/block-more-protection.png?width=150&height=150&name=block-more-protection.png)
更多的保护:
- 与 卡控App会员可以实时决定何时、何地以及如何使用他们的借记卡.
- You can enjoy convenient features like turning your debit card on/off, 接收即时交易警报, 设置卡的使用限制, 和更多的!
- 在应用程序中报告您的卡丢失或被盗.
- 在卡控制应用程序中注册您的卡,并立即将您的卡添加到您的手机数字钱包.
父母也会受益.
Volt储蓄账户不仅教会了你的孩子财务责任, but offers a few perks for the parent or legal guardian as well:
- 很容易转移 - Quickly transfer funds into your teen’s account; no more third party apps or having to shell out cash.
- 卡保护 -打开和关闭卡片并指定用途.
- 监控账户余额 -Set up quick balances to check the savings account balance without logging in.
![阿伯顾客把沃特信用卡递给收银员.](http://7qx8.asolution-guides.com/hs-fs/hubfs/assets/images/images/two-col/volt-teen-02.jpg?width=1100&height=1100&name=volt-teen-02.jpg)
![男孩拿着阿伯沃特Visa卡](http://7qx8.asolution-guides.com/hs-fs/hubfs/assets/images/images/two-col/volt-teen-01.jpg?width=1100&height=1100&name=volt-teen-01.jpg)
伏特青少年信用卡
At 16, Volt会员有资格获得Visa奖励信用卡,信用卡额度最高可达1美元,000美元和低利率. Volt members can build up their credit and earn reward points that never expire. *Note: parents are required to co-sign on the account for anyone under 18.
尽早建立信用并掌握信用卡和借记卡之间的功能差异有很多好处.
Here are some tips and tricks for beginner credit card users:
- Pay your bill before it’s due so you don’t incur interest charges.
- 用你的信用卡来应付一些小的紧急情况(如果你不能全额支付,每月按时付款).
- 不要太疯狂. 如果你没有正确使用信用卡, 你的账户可能会遇到麻烦(这不是开始你的信用基础的好方法).
- 记住,使用信用卡,你可以用你的剩余余额来贷款并偿还. With a debit card, you pay with the cash immediately in your account. 不同的卡片适合不同的需求. 练习做出明智的财务决策.
青少年理财常见问题
这里有一些最常见的问题,我们得到我们的伏特青少年检查 & 储蓄账户.
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是的,我们亲自发卡,您可以用卡提取储蓄账户中的资金. This card will not be able to be used to make purchases, just make withdrawals.
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你的孩子可以在13岁的时候开一个储蓄和支票账户,并且可以一直保留到18岁. 在18岁时,他或她将过渡到 Volt加拿大28软件.
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作为父母或法定监护人, 你可以存款, 查询账户余额, 视图事务, and receive alerts about the status of the account. 但是,你不会收到借记卡.
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Yes, you are required to be a co-signer on the account. Once your child turns 18, they will transition to Volt加拿大28软件, for ages 19-24. Alternatively, they can open a traditional savings account. These options don’t require you to be a co-signer.
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是的,我们有 探险家俱乐部青年帐户,适合12岁及以下儿童观看.
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信用卡可以让你根据一定的信用额度借款,你必须在一段时间内偿还. 如果你不付清欠款, 你每个月都会积累利息, meaning you will wind up paying more for your purchase over time. Alternatively, when you use a debit card, it’s like using cash. The purchase is deducted from the balance of your account. Overtime, it’s good to use both a debit card and a credit card.
*年利率百分比(APY). 的速度 3.00% APY applies to balances up to $1,000 on 伏特少年加拿大28软件 储蓄 accounts. Balances above $1,000 will receive the regular savings rate. Terms and conditions subject to change without notice. Account approval may be based on factors such as a qualified parent, 青少年的年龄, 收入的核实.
Zelle and the Zelle related marks are wholly owned by Early Warning 服务, 并经许可在此使用.