Ulster Savings Bank's Smart Start Checking account is designed for students aged 13 to 17 with a parent or guardian as joint owner. Complete a 10 module playlist in the bank's online financial education center and present your certificate when opening the account to get a $25 deposit.
Eligibility
Available nationwide
No state restrictions on this offer.
Credit-pull posture pending
We have not yet confirmed how this account is screened. Check with the institution.
How to get the Ulster Savings Bank Smart Start Checking bonus
- Complete a 10 module playlist in the online financial education center.
- Present your certificate when you open your new Smart Start Checking account.
- Receive your $25 deposit from the bank.
The fine print that matters
- Minimum deposit of $25 required.
- Account credit is reported on a 1099-INT as interest earned.
- Ask an account representative at time of account opening for details.
- Account is not eligible for overdraft privileges, though other fees like insufficient funds may apply.
Verification and reports
Confirmed against ulstersavings.com on Aug 21, 2026. Based on 0 field reports. Status Limited reports is computed from those reports, never hand-set.
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Sources: ulstersavings.com offer page (checked Aug 21, 2026)
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