Safe Banking for Teens and College Students
Smart habits for a safer financial future
Managing money for the first time is exciting – but it also comes with responsibility. Whether you’re opening your first account, using mobile banking, or learning how to budget, this page is here to help you build smart habits and stay safe while navigating your financial journey.
Getting started with banking
Understanding the basics of banking is the first step toward financial independence. Learn how to:
- Open and manage a checking or savings account
- Use debit cards and mobile payment apps safely
- Set up direct deposit and automatic transfers
Build smart habits
Good habits now can lead to long-term financial success. Here are a few to keep in mind:
- Track your spending. Pay attention and keep track of where your money goes.
- Save regularly. Even small amounts add up – consider setting aside part of your paycheck or allowance.
- Avoid overdrafts. Know your balance before making purchases and set up alerts to help you stay informed.
Stay safe online
Digital banking is convenient, but it’s important to protect your information:
- Use strong passwords and change them regularly.
- Don’t share your login info with friends or over text.
- Only use official banking apps and secure Wi-Fi when accessing your accounts.
Watch out for scams
Young people are often targeted by scammers who use social media, texts, or emails to trick you into giving up personal info or sending money. Be cautious of:
- Messages claiming you’ve won a prize or scholarship
- Requests to send money or gift cards to strangers
- Job offers that ask you to move money between accounts
Learn more about common scams →
Need help? We’ve got you.
To help safeguard your accounts, it’s essential that we can reach you quickly if we detect suspicious activity. Please make sure your phone number, email address, and mailing address are current. Keeping your contact information up to date allows us to alert you immediately and take swift action to prevent fraud.
If you’re unsure about a transaction, a message you received, or how to use a banking feature, reach out. Our team is here to help you make confident, informed decisions.