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  • Kids Accounts

    For the Savers of Tomorrow

Whether you have a young saver who is still getting a grasp on money, or an older child with additional banking needs, we have the right accounts to help them – and their finances – grow.

Meet with a banker at your local Hills Bank office to open a kid's account today!

Upcoming Events for Kids

Apr 25, 2026
Barnyard Days
Visit the following locations
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Penny Savers Savings

Savers 11 years old and younger can learn about interest – by earning it!

Penny Savers Savings 

Savers 11 years old and younger can learn about interest – by earning it!  

Features: 

  • No minimum balance to open 
  • No quarterly service fee 
  • Earn variable interest rates 
  • Semi-annual newsletter 
  • Birthday card from Penny Bear 
  • Six transfers or withdrawals per month by pre-authorized, automatic, Hills Bank OnlineTM, telephone, check, draft, debit card, or similar order to third parties 
  • At age 12, the account converts to a GO! Savings 
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Go! Checking

A free checking account for kids 17 and younger, including an introductory pack of checks.

 Go! Checking 

A free checking account for kids 17 and younger, including an introductory pack of checks  

Features: 

  • No minimum balance to open 
  • No monthly service fee 
  • Unlimited free ATM transactions (The owner of a non-Hills Bank ATM may surcharge, but that's their fee, not ours) 
  • 20 free checks upon account opening 
  • Semi-annual newsletter 
  • At age 18, the account converts to Free Checking 
  • Parent or legal guardian required to be an owner of account if primary account holder is under 18 years of age 
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Go! Savings

An interest-bearing savings account for youth 12 – 17 years old. 

Go! Savings 

An interest-bearing savings account for youth 12 – 17 years old  

Features: 

  • No minimum balance to open 
  • No quarterly service fee 
  • Earn variable interest rates 
  • Semi-annual newsletter 
  • Six transfers or withdrawals per month by pre-authorized, automatic, Hills Bank OnlineTM, telephone, check, draft, debit card, or similar order to third parties. 
  • At age 18, the account converts to Free Savings 
  • Parent or legal guardian required to be an owner of account if primary account holder is under 18 years of age 
College Saver CD

CollegeSaver CD

Saving for college is easier than ever with the Hills Bank CollegeSaver certificate of deposit (CD). 

CollegeSaver CD 

The CollegeSaver CDTM offers the convenience of a savings account and the earning power of a certificate of deposit.  It can be opened for your child or grandchild with a term of two or four years for only $100. You can make additional deposits into the CD as often as you like, with as little as $25. 

A CollegeSaver CD carries your scholar’s name and social security number and is automatically renewable until age 21. 

View rates and open your CollegeSaver CD at any Hills Bank location, call 1-800-445-5725 (1-800-HILLSBK), or connect with a digital banker through our chat bubble on hillsbank.com or online banking. 

Coverdell Education Savings Account

Coverdell Education Savings Account

Start your child’s college fund today with a CESA certificate of deposit.

Coverdell Education Savings Account (CESA)  

Start your child’s college fund today with a CESA certificate of deposit! A CESA allows you to save for higher education, and withdrawals are tax free when used for qualifying education expenses. Consult your tax advisor for specific tax savings information.

  • $100 minimum to open 
  • Fixed rate certificate of deposit – several options available 
  • Additions of $25 or more permitted 

For more information about Coverdell Education Savings Accounts, visit any Hills Bank location , call 1-800-445-5725 (1-800-HILLSBK), or connect with a digital banker through our chat bubble on hillsbank.com or online banking.