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DREAM BUILDER ACCOUNT

The best checking account just for kids

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DREAM BUILDERS ACCOUNT

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.

Get Started

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%	5.12%
Interest Rate Tier 2 (balances above $500)	0.01%	0.01%	0.01%	0.01%
Annual Percentage Yield (APY) Tier 2 (balances above $500)	0.01%	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%
Nationwide ATM Fee Refunds		Up to $10/month*	Up to $10/month*	Up to $10/month*
Free Basic Checks
Birthday Reward	$10
Debit Card POS Limits		$500/day	$500 for Age 16/17; $3,000 for Age 18+	$3,000/day
ATM Withdrawals		$250/day	$250/day for Ages 16-17; $500/day for Ages 18+	$500/day
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. You will receive a $25 bonus within 30 days after the opening deposit has been made. The initial deposit bonus and birthday reward will be treated as Interest for IRS (Form 1099-INT) reporting purposes. 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 (APY) 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 for individuals ages 12 and under will receive a $10 deposit at the end of the monthly statement cycle following their birthday each year. Only parents/guardians can register for Online and Mobile Banking in the Building Blocks and Building Know-How benefit category. Message and data rates may apply. Parents/guardians cannot register for Bill Payment until the minor is of the age of 16.

LOW MINIMUM

Open a checking account with just $25.

OPENING BONUS

Earn an extra $25 after your initial deposit.

INTEREST-BEARING CHECKING ACCOUNT

Earn 5.12% APY on balances up to $500.

EASY ACCESS

Just download our free mobile banking app.

EZ OVERDRAFT

Overdraft protection available for an additional charge.