Personal Banking

Youth and Young Adult Product Offerings – Overview

Smart Start Savings

Hastings City Bank Smart Start Savings is a savings account designed for people under the age of 18. With each account you open, your young saver receives a piggy bank to encourage saving.

At age 12 a Smart Start Savings member may apply for a HCB Cash Card, which allows up to $50.00 ATM withdrawals from the account.*

At age 16 you may request an Options Checking Account and higher ATM and Point of Sale transaction limits.*


Options Checking Account

This account is designed for those ages 16 to 25 with a current student ID. It offers all of the benefits of our Options Checking Plan, however, the monthly fee is waived with eStatements.

*Please see our Hastings City Bank Customer Service Representative for details.

HCB Savings Account
Smart Start Savings members may transfer to a HCB Savings Account at any time. The monthly fee is waived until age 25 with a current student ID.

image To learn more about savings and financial education, explore these fun links!:

Glossary of Banking Terms
Money Factory
US Mint Kids Site

For the older student:
FDIC Money Smart Program
iHELP Student Loans
Practical Money Skills for Life
Smart Credit Matters

Hastings City Bank considers financial literacy an important part of our business. To request a Teach Children to Save classroom presentation contact Nancy Goodin via e-mail or at 269-948-5579.