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The best checking account just for kids

Open an account that builds a lifetime of good habits.

Kids have dreams. Help yours achieve them with the Dream Builder account. The interest-bearing checking account grows with them from birth to age 21, bringing new benefits with each tier – starting with a $25 initial deposit bonus. The best part? Dream Builder comes with a wealth of financial knowledge, plus the peace of mind that F&M is here to guide and provide for your child, every step of the way.

Compare Building Blocks (AGES 0-12) Building Know-How (AGES 13-15) Building Steam (AGES 16-18) Building Opportunity (AGES 19-21)
Minimum to Open Account $25 $25 $25 $25
Initial Deposit Bonus $25 $25 $25 $25
Interest Rate Tier 1 (balances up to $500) 5.00% 5.00% 5.00% 5.00%
Annual Percentage Yield (APY) (balances up to $500)
5.12% 5.12% 5.12%
Interest Rate Tier 2 (balances above $500)
0.01% 0.01% 0.01%
Annual Percentage Yield (APY) Tier 2 (balances above $500)
0.01% 0.01% 0.01%
Annual Percentage Yield Range (APY)
2.56% – 5.12%
2.56% – 5.12% 2.56% – 5.12% 2.56% – 5.12%
Foreign ATM Fees Waived
Combined ATM fee refunds up to $10/month Combined ATM fee refunds up to $10/month Combined ATM fee refunds up to $10/month
ATM Surcharges Rebated
Up to $10/month* Up to $10/month* Up to $10/month*
Free Basic Checks
Birthday Reward
Debit Card POS Limits
$500 for Age 16/17; $3,000 for Age 18+
ATM Withdrawals
$250/day for Ages 16-17; $500/day for Ages 18+
Online Banking
Parents Only
Parents Only
Bill Payment
Mobile Banking Parents Only Parents Only
Mobile Deposit Limits
$5,000/daily $5,000/daily $5,000/daily
Adult on Account Optional

Dream Builder Checking: Minimum to open this account is $25. The initial account opening bonus is subject to tax reporting requirements. You will receive a $25 bonus within 30 days after the opening deposit has been made.

Annual Percentage Yield (APY) subject to change. This is a variable rate that is subject to change after the account has been opened. Interest rate and APY are effective as of March 12, 2024.

Tier 1 – If your daily balance is $500 or less, the interest rate paid on the entire balance in your account will be 5.00% with an Annual Percentage Yield (APY) of 5.12%. 

Tier 2 – If your daily balance is greater than $500, the interest rate paid on the balance greater than $500 in your account will be 0.01% with an Annual Percentage Yield of 0.01%

Assuming a maximum account balance of $1,000 the Annual Percentage Yield (APY) will range from 2.56%-5.12%, depending on the account balance.

Birthday reward will be deposited the first business day of the month following when the birthday occurred. One birthday reward per account per calendar year.

Only parents/guardians can register for Online and Mobile Banking in the Building Blocks benefit category. Message and data rates may apply. Parents/guardians cannot register for Bill Payment until the minor is of the age of 16.


    Open a checking account with just $25.


    Earn an extra $25 after your initial deposit.


    Earn 5.00% on balances up to $500.


    Just download our free mobile banking app.


    Overdraft protection available for an additional charge.

    Need us?

    Find us across Ohio, Indiana and Michigan. Or right here online.