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  • Join GreenState
Youth Accounts

Now's the time to start good financial habits

Check out Greenlight Checking

Start planning with Youth Savings

Boost savings with special Certificates

Let's start saving!

It's easy to get a Youth Savings Account or open a Young Investor Certificate1. Stop by any branch location, call us at (800) 397‑3790, or chat with us online.

A solid foundation begins with GreenState Credit Union

From toddlers to teens, you'll find accounts that help kids develop important financial skills.

Enjoy Greenlight’s money app and debit card for free2

The best way to teach money management is to let kids get involved. Through our partnership with the award-winning Greenlight program, you can download an app and receive a debit card for your kids to learn about spending and saving wisely. 

  • Money management: Send money quickly, set flexible controls, and get real-time notifications
  • Chores and allowance: Assign chores and automate allowance - with the option to connect payouts to chore progress
  • Savings goals: Set savings goals for what your kids really want - and watch them grow together
  • Financial literacy game: Kids play Greenlight Level Up™, the game that makes money concepts easy to understand and fun to learn

Open a free2Greenlight account and give your kids the real-world experience they need. 

Open a Greenlight account

Greenlight Hero with Card

Greenlight Frequently Asked Questions

Greenlight is an award-winning money app and debit card that empowers parents to raise financially smart kids. Kids and teens learn to earn, save, and spend wisely – while parents send instant money transfers, set flexible controls, and get real-time notifications.

As a GreenState member, your Greenlight subscription is free2

Your subscription includes debit cards for up to 5 kids, instant money transfers, spending notifications, chores, automated allowance, the financial literacy game Level UpTM, and more.

If you're a GreenState member, you can sign up for your free2 subscription on through your Online Banking app.

1. Log in to your GreenState Digital Banking app.

2. Locate the Greenlight widget on the home screen.

3. Select the widget to start enrollment.

4. Follow the prompts to complete registration.

5. Once registration is complete, download the Greenlight App on your mobile device. If your child has a mobile device and

you notated as such in the onboarding process, they will be invited via text message to download the Greenlight app.

6. You will then see your family’s Greenlight accounts on GreenState’s mobile app.


If you're a current Greenlight customer, follow the insturctions below to sign up for your free2 account 

1. Log in to your GreenState Digital Banking app.

2. Locate the Greenlight widget on the home screen.

3. Select the widget to start enrollment.

4. On the next screen select the option to “Connect to a Greenlight Account”.

5. Follow the prompts to connect your funding account to your existing Greenlight account.

6. You will then see your family’s Greenlight accounts on GreenState’s mobile app.

Yes, from the GreenState mobile app, you can:

  1. Send money to your child. 
  2. View your child's spending, saving, and giving balances.
  3. View your child's most recent lesson completed in Level UpTM and a high-level summary of what the child learned.
  4. View the child's three most recent transactions on the Greenlight card.
  5. Deeplink into the Greenlight app for further functionality.

We support kids and grownups of all ages. No minimum (or maximum) age here. The Primary must be at least 18 years old and a U.S. resident.

Greenlight is a debit card for kids, not a credit card. Parents load money onto the card from their own funding source connected through their Greenlight app. And because it’s a debit card, kids can’t spend what isn’t there. That’s a pretty valuable life lesson.

Kids and parents will both use the same Greenlight app you see in the app store but have two different experiences and individual login credentials. Parents can set up their child’s login under the child’s profile settings.

Greenlight debit cards are FDIC-insured up to $250,000 and come with Mastercard’s Zero Liability Protection. Greenlight blocks ‘unsafe’ spending categories, sends real-time transaction notifications, lets parents turn cards off at any time, and gives parents flexible ATM and spending controls.

Contact Greenlight Support by calling (888) 483-2645 and ask to be added to the GreenState Credit Union program. 

Greenlight concessions

Enjoy Greenlight’s money app and debit card for free2

Join 6+ million parents and kids learning to earn, save, and spend wisely - together.

Get Started
Youth Savings Account

Saving up for a special purchase or activity can be more rewarding than spending every dollar right away. Our Youth Savings Account helps young people grow their money steadily. 

  • Earn 1.25% APY3 on balances up to $2,499.99
  • Earn 0.50% APY3 on balances of $2,500 or more
Young Investor Certificate

Show children how patience truly pays off when they keep their money deposited for this Certificate's 12-month term. 

  • Earn a competitive rate on balances of $100 or more
  • Add money anytime to increase savings 
  • No monthly fee or maintenance fee

GreenState Credit Union's checking accounts make managing your money easier. Open an account online, reach out to a lender in your area, or visit a branch today.

Frequently Asked Questions

There is no monthly service fee for GrowGreen or Free Checking. There is a $4.75 + tax monthly fee for Access Checking.

Non-GreenState ATMs are assessed a $2.50 usage fee per transaction. GreenState partners with CO-OP to offer 30,000+ free ATMs nationwide. Find the free ATMs close to you.

There is a $3.50 monthly fee to receive paper statements. Members can avoid this fee by opting to receive free e-Statements instead. Learn how to sign up for e-Statements.


Dividends are calculated on your checking account's average daily balance for the month and paid out on the last day of the month.

Anyone living or working in Iowa, or nearby counties in Illinois, Wisconsin, Nebraska or South Dakota.

  • Illinois counties: Jo Daviess, Carroll, Whiteside, Rock Island, Henry, Mercer, Knox, Henderson, Warren, Hancock, DuPage, Will county North of I-80
  • Wisconsin counties: Crawford, Grant, Lafayette
  • Nebraska counties: Dakota, Thurston, Burt, Washington, Douglas, Sarpy, Cass, Otoe
  • South Dakota counties: Union, Lincoln, Minnehaha, Moody, Brookings

You can also join if you are a University of Iowa student, staff, or alumni; or a direct relative of a current member.

To order checks online login to online banking or the mobile app and visit the Services > Check Reorder link in the main menu.

You can also order checks by calling us at 800-397-3790 or stop into a branch and we will be happy to order checks for you.

You can locate free ATMs in our Branch & ATM locator map. 

GreenState members enjoy surcharge-free access to over 30,000 ATMs nationwide with the CO-OP ATM network.

If you are not yet a member, you will need to open a share savings account with a minimum $5 deposit. Members can open a checking account with a $50 initial deposit. You can open an account at any branch location, or by applying online.

New checking accounts are subject to credit approval, employment status, and valid identification that is at least 90 days old.


On checks for your account - Your checking account number is between GreenState's routing number and the incrementing check number. 

routing-checking-example

Example of where routing and checking number is found on a check


Online banking - Navigate to the page where you can view your account's recent transactions. Click the option that says "Details". In the details that appear, your checking account number is listed as "MICR Account Number". 

Example of where account number online bankingWhere to find checking account number online

You will need your member number (also referred to as your account number) and social security number to get started. See our Online Banking sign up instructions for a step by step guide.


273975098

The routing number can also be found on your member card and in the footer of GreenState's website.

If you have opted in for overdraft protection, GreenState Credit Union will cover your overdrafts for a fee of $29 - $34 per overdraft (Maximum of 5 items per day). Visit our Overdraft Privilege page to learn more about overdrafts and to request changes to how they're handed for your account.

No.

Learn to do more with your money
Financial Education
Learn smart money management.
Financial Calculators
Calculate payments, savings and more.
GreenState Blog
Get financial tips and advice.
Security & Fraud
Keep your personal information secure.
Earn Dividends
Make more out of your money

Higher earnings mean you can give your savings an extra boost.

Money Market

  1. The Young Investor Certificate is designed specifically for our members younger than 18 years of age. It is a 12-month fixed rate certificate of deposit that allows additional deposits up to $5,000 monthly, minimum additional deposit is $25. Minimum balance to open is only $100 and it earns a competitive rate.

  2. GreenState Credit Union members are eligible for the Greenlight SELECT plan at no cost when they connect their GreenState account as the Greenlight funding source for the entirety of the promotion. Subject to minimum balance requirements and identity verification. Upgrades will result in additional fees. Upon termination of promotion, members will be responsible for associated monthly fees. See terms for details. Offer ends 04/04/2027. Offer subject to change or renewal. The Greenlight® prepaid card is issued by Community Federal Savings Bank, member FDIC, pursuant to license by Mastercard International. Greenlight is a financial technology company, not a bank. The Greenlight app facilitates banking services through Community Federal Savings Bank (CFSB), Member FDIC.

  3. Youth Savings: APY is Annual Percentage Yield. The Youth Savings account rate is variable and subject to change. This account is a tiered rate and will pay the stated rate on average balances up to $2,499.99. Balances of $2,500.00 or greater will earn 0.50% APY. Dividends compounded monthly. Rates are variable and may change after the account is opened. APY listed above is accurate as of the last dividend declaration date. Fees could reduce earnings on the account. $1.00 per debit after three (3) per month.


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