Little Hawk ClubThe Little Hawk Club is more than a savings account. It's a fun way for kids under 18 to learn smart money habits while earning interest, enjoying exclusive events, receiving birthday surprises, and watching their savings grow. Welcome to the Little Hawk Club at Blackhawk Bank & Trust—a fun and rewarding way for young customers, ages 0-17, to start building a strong financial foundation! Whether you're just beginning your savings journey or looking to learn more about managing money, we offer a range of exciting benefits designed to make banking enjoyable and educational. The Little Hawk Club is here to support you every step of the way.In the Little Hawk Club, you'll earn 2.25% APY* on balances up to $1,000 and 0.15% APY* on balances over $1,000 in your Youth Savings account! Join the club and watch your savings soar!*Youth Savings Account: 2.25% Annual Percentage Yield on balances up to $1,000 and 0.15% APY on daily balances greater than $1,000; resulting in 2.25% - 0.19% APY depending on balance in the account. The APY is accurate as of January 1, 2025. Rate is subject to change. Fees could reduce the earnings. Minimum deposit to open the account is $10. Limited to one (1) Youth Savings Account per social security number. Youth (0-13)No monthly fees – enjoy simplicity without any hidden charges.No minimum balance – start saving at your own pace, no pressure!A special welcome gift – including an adorable piggy bank to help kick-start your savings!A colorful, kid-friendly newsletter – designed just for young readers with fun tips and exciting updates.Special Events – join us for exclusive events to mark your savings milestones!Birthday card and gift – a special surprise to make your day even brighter!Fun Games to Learn About Banking & Budgeting magic money Play games, learn how to save and spend, and budget wisely while becoming a money expert. Play! Budget balancing Learn how to plan for the things you need and want! Plus, make choices to save, spend, and share your money to help others and yourself. Play! Money math Join the fun and compete with other players as you practice counting money. Quick thinking helps you win the race! Play! teen (14-17) Youth Checking (Ages 14–17)Ready for the next step? Teens ages 14–17 can open a Youth Checking account with a parent or guardian. It's a great way to learn responsible money management while enjoying the convenience of a debit card, mobile banking, direct deposit, and more—all with the support of a trusted local bank.Features include: Debit cardMobile & online bankingMobile check depositDirect depositAccount alertsLocal support when you need itFun Games to Learn about Banking & Budgeting Financial playbook An interactive NFL-themed game by Visa® that teaches money management skills through engaging play. Play! Learn about credit scores An online card game where players learn how everyday choices, like paying bills or handling expenses, impact their credit score. Play! saving growth A fun online game where teens learn to save and grow money! Play! College (18+) accounts We have checking and savings accounts that will meet your needs. Plus, open either option online! CheckingSavings employment discover how BHBT supports a variety of career paths, whether you’re headed to college or pursuing other exciting opportunities. Careers student loans We've partnered with College Ave Student Loans, a private student loan company that offers undergraduate, graduate, parent, and refinance loans. Learn More BhB&T Personal Credit Card frequently asked questions Can my child access their account online? Yes, individuals would have their own online banking credentials. To become an account owner or signer, they must be at least 14 years old and have a parent or guardian listed on the account as well. what happens when my child turns 18 years old? If the child holds a Youth Savings Account, it will automatically transition to a Regular Savings Account. Furthermore, for checking accounts, a parent or guardian will no longer be required as a signer. are there restrictions on savings account withdrawals? There is a restriction of six (6) Youth Savings Account withdrawals per month. Is there a way to link my child's account to mine for easier access? Yes, you can view accounts as long as you are listed as a signer on the account.