Stay in the loop
Monitor balances & activity from the app, adjust limits, and get real-time spending alerts.
Ignite Youth Accounts | Ages 0-17
Banking that grows with them.
From first savings goals to first paychecks, Ignite Youth Accounts help kids, teens, and young adults build confidence with money while giving parents tools to stay involved.
| ✓ Ages 0-17 | ✓ No Monthly Fees | ✓ Family Friendly | ✓ Texans Mobile App |
Built for families
Financial independence with the right amount of guidance.
Ignite combines real-world banking tools with parent-friendly visibility and guidance, helping young members build confidence at every stage.
Confidence at every age
Age-appropriate account features create space for kids, teens, and young adults to learn with support close by.
Teach through experience
Turn saving, spending, earning, and budgeting into practical money lessons.
Built for your next step
More freedom. More responsibility. More possibilities.
Whether you are saving for something big, using a debit card, or earning your first paycheck, Ignite gives you tools to take control of your money.
Get paid
Send money to family and friends and get paid back with Zelle® starting at age 13.
Spend smarter
Use your debit card for everyday purchases while learning how to manage a balance.
Reach your goals
Save for a video game, concert tickets, college, or whatever you are working toward next.
Meet Ignite
Two accounts. Built for every stage.
Start with savings, then add everyday spending tools when the time is right to build a well-rounded money routine.
Ages 0-17
Ignite Savings
A strong foundation for smart money habits.
- No minimum balance
- No monthly fee
- Mobile app access
- eStatements
- Support for savings goals
- Parent-friendly oversight
Ages 0-17
Ignite Spending
Real-world spending experience with thoughtful guardrails.
- Personalized debit card
- Real-time notifications and alerts
- Spending limits and controls
- Zelle and RoundUp access at age 13
- Direct deposit that lets you get paid early
- Age-appropriate spending limits
Growing up with Ignite
Designed to grow with them.
As life changes, Ignite changes with it.
- 01Ages 0-12
Learn
Build saving habits, make first deposits, and celebrate early money milestones.
- 02Ages 13-17
Practice
Manage spending, receive direct deposit, use Zelle,® and practice real-world skills.
- 03Ages 18-22
Launch
Build greater independence and prepare for bigger financial milestones.
Digital tools for parents
Stay connected without hovering.
Use digital tools to stay informed, offer guidance, and support progress as your child gains confidence.
Monitor balances
Quickly review balances and get real-time activity notifications.
Manage card activity
Set spending limits & controls and turn their card on or off.
Support savings goals
Set savings goals together and reinforce consistent money habits.
Stay connected
Send them money instantly with multiple money movement tools.
Digital banking for real life
Your money, right at your fingertips.
Use convenient digital tools to check balances, move money, monitor spending, and prepare for what is next.
Keep tabs on your money
The app makes it easy to track your balance and monitor your activity.
Pay friends and family
Send money and get paid back instantly with Zelle,® right in your app.
Get cash fast
Get cash fast at in-network ATMs and get paid up to two days early with Direct Deposit.
Flex your style
Make your debit card uniquely yours. Design a card with a photo of your choice.
Money skills and learning
Help them build money habits that last.
Explore practical resources for age-appropriate money conversations and milestones.
Money skills and learning
Money skills you will actually use.
Build practical skills for saving, earning, spending, and protecting your money.
Celebrate the journey
Every milestone deserves a spark.
From early savings wins to greater independence, Ignite recognizes the moments that move young members forward.
First savings
Get $101 when you increase your Ignite Savings balance by $100 in the first 12 months.
First debit card
It's a big deal. We'll match your Ignite Spending opening deposit up to $20.2
Hitting the road
You passed the test! Bring in your driver's license and we'll add $252 to your Ignite Spending.
Turning 18
It's offical - get $502 deposited into your Ignite Spending to celebrate entering adulthood.
Get started
Opening an Ignite account is simple.
- 1
Open online or in branch
Open your new Ignite Savings and Ignite Spending accounts in minutes online or pop in to a local branch to celebrate with us.
- 2
Set up your app
Download the Texans CU mobile app* to activate eligible digital tools and account access.
- 3
Build confidence
Start saving, spending, learning, and growing one milestone at a time.
Frequently asked questions
What families want to know.
What is an Ignite Youth Account?
Ignite is Texans Credit Union's youth account experience for eligible kids, teens, and young adults ages 0-22. Account options include Ignite Savings and Ignite Spending.
What is the difference between Ignite Savings and Ignite Spending?
Ignite Savings is designed to build saving habits. Ignite Spending adds eligible everyday spending tools, including a debit card and Digital Banking features.
What age can someone open an Ignite account?
There is no minimum age requirement for a parent to open an Ignite account for their child.
Can parents view account activity?
Yes. As joint owners on their children's Ignite Accounts, parents can view and monitor account activity through the mobile app and Digital Banking.
Are there monthly fees?
There are no monthly service fees.
Start the journey
Ignite their financial future.
Whether they are saving for a first goal, earning a first paycheck, or preparing for adulthood, Ignite helps build confidence at every stage.
Membership Required. All Ignite Accounts require enrollment in eStatements; must enroll in digital banking. A $2 paper statement fee will apply if not enrolled in eStatements. Accounts must be in good standing (no past due or overdrawn accounts) at the time the bonus is credited. Bonuses are considered interest and will be reported to the IRS as required. Texans CU reserves the right to modify the Ignite program at any time.
1 Ignite Savings Account: Available to members ages 0 through 17 and may be maintained until age 22. Minimum balance of $5 is required to open. Receive a $10 deposit to your Ignite Savings account on the 1st anniversary date of account opening if the account balance has increased by at least $100. Upon the member’s 22nd birthday, the Ignite Savings Account will automatically be converted to the Texans Savings Account.
2 Ignite Spending Account: Available to members ages 0 through 17 and may be maintained until age 22. Minimum balance of $1 is required to open and must have an open Ignite Savings Account. Limit one Ignite Spending Account per member. Account is not eligible for Courtesy Pay. This account is designed for electronic transactions and does not offer paper checks. Zelle is available to members ages 13 through 22 and subject to the terms, conditions, and transaction limits. Texans CU will match the initial opening deposit, up to $20, on a new Ignite Spending Account. The matching deposit will be credited on the next business day. Receive a $25 deposit into your account when member provides proof of a driver's license to Texans CU within 30 days of the license issuance date. The driver's license reward must be earned before the member reaches age 18. Receive a $50 deposit into your account when member reaches age 18 and the account has been open for at least six (6) months before the member's 18th birthday. Upon the member’s 22nd birthday, the Ignite Spending Account will automatically be converted to Texans Cash Back Account.
* Texans does not charge a fee for mobile banking, text message banking or any of our smart phone apps. Mobile carriers may assess standard text messaging and/or cell phone data usage charges. Please check with your service provider for more information.
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
