Family Banking
Features both kids and parents want—convenience, control and even their own debit card!
A first job. Birthday checks from Grandma. Saving for school. Your kids have financial interests, too. Family Banking makes it easy to get them started in the right direction—and for you to guide them along the way.
A debit card you can lock & unlock.
Their checking account comes with the freedom—and responsibility—of their own debit card. Associated Bank Digital¹ makes it easy to control it. If they lose it, either of you can lock it.
Share your account benefits² with your kids.
No matter which checking account you have—Access, Balanced or Choice Checking—your child will share the same benefits, including surcharge-free ATMs,³ instant balance and alerts in digital banking.
Banking tools your whole family can use.
30,000+ surcharge-free ATMs
Next-door or nationwide access to fast cash and easy deposits.
$50 Overdraft Grace Zone⁴
Overdraft? It happens. If it’s $50 or less, there’s no fee.
Actionable Insights
View important account activity and notices at every sign-in.
Free overdraft protection transfers⁴
Balance running low? Get auto-refills from another Associated Bank account—yours or theirs.
And when they turn 18?
Your teenager can continue to use their Family Banking benefits even after they hit adulthood. Plus, they’ll have Credit Monitor⁵ added to their checking.
How to open your Family Banking account.
- You and your minor child discuss their banking needs and choose one of our personal checking accounts.
- Together, open and fund the account online or in a branch. As an adult, you’ll be a co-holder on this joint account, so select “additional applicant” on the form.
- You don’t need to be an Associated Bank customer to open a Family Banking account.
Open a Family Banking account today.
Now’s a great time to introduce your kids to the way money works. Open their account online in minutes or take them to your local Associated Bank to meet with a banker in person. Start a lifetime of good financial habits!
Call 800-236-8866
Customer Care Center
Associated Bank does not charge a fee to download our digital applications; however, transactional fees may apply. Carrier message and data rates may apply, check your carrier’s plan for details. Visit AssociatedBank.com/disclosures for Terms and Conditions for your service. (1406)
The parent or adult guardian co-owner must meet and maintain Platinum Choice Checking, Monthly Average Relationship Balance listed on the Associated Choice Checking Product Disclosure; or Private Wealth qualifications listed on the Private Banking Checking Product Disclosures to obtain enhanced rates on select savings and money market accounts for both parent or adult guardian and minor co-owner accounts. For current rates, refer to an Associated Bank Deposit Account Rates Sheet or ask a banker for more information. Additional benefits include waived ATM fees and increased Overdraft Grace Zone coverage.
For Platinum Choice, if the Monthly Average Relationship Balance drops below the required amount for qualification for 12 months, the parent or adult guardian and minor co-owner will no longer have the enhanced benefits until they qualify again. Balances are calculated at the end of the month qualifications are met.
Minor co-owners under the age of 18 are not eligible to access Bill Pay, Credit Monitor, Zelle, Quickbooks and Secured Messages. Refer to the Digital Banking Service Terms and Conditions for more information. Minor co-owners retain the ability to lock and unlock their own debit card within digital banking. (1500)
Associated Bank and MoneyPass® ATM use is free for Associated Bank customers. ATM owners outside of the Associated and MoneyPass networks may charge a fee. Associated Bank may charge a fee for using an out-of-network ATM. International fees may apply. Review your account disclosure and fee schedule for more details. MoneyPass is a registered trademark of Fiserv Solutions, LLC or its affiliates. (1206)
Overdraft grace zone – An Overdraft Fee will not be charged if account is overdrawn up to $100 for Associated Bank Platinum Choice benefit eligible customers or up to $50 for all other personal checking accounts. If an overdraft is paid by Associated Bank, a deposit must be made to bring the account back to a positive balance. Regular account requirements and fees for overdrafts will otherwise apply. Overdraft Protection Transfer service links your checking account with your other accounts at Associated Bank, including another checking account, savings account, money market account, Consumer Credit Card, Checking Reserve Line of Credit or Premier Line of Credit. There is no fee for this service, for more details on transaction limits and terms and conditions of these products, please refer to the Consumer Deposit Account Fee Schedule, applicable Checking Product Disclosure, What You Need to Know About Overdrafts and Overdraft Fees, Understanding Overdrafts and Your Options to Manage Fees or the Deposit Account Agreement. (1068)
To use Credit Monitor, eligible customers must log in to digital banking, activate the feature, and accept the terms and conditions. Information provided through Credit Monitor is obtained by Experian. For more information, visit here. (1485)
