Youth Pocket Cache

  • Overview

    Youth Pocket Cache

    We all have to be responsible with our money. Learning this skill is very valuable, which is why more parents and guardians are looking to find a youth checking account. With this type of account, any young person can familiarize themselves with the basics of paperless checking and working with a credit union.

    This account is designed for teenagers 13-17 years old. Parents or legal guardians must be a joint owner on the Pocket Cache account. A customizable debit card is included, making this a great first checking account.

    An account tailored to introducing young people to banking

    • Comes with VISA debit card
    • Online and mobile banking
    • No monthly fee or minimum balance
    • No minimum balance to open
    • No limit on withdrawals
    • Easy to access online statements

    Thank you for coming and educating us about money, It really helped me think about how I could become more financially stable in my life.

    - Colin H.

    Connect your Digital Wallet

    Apple Pay, Google Pay, Samsung Pay Icons

    Spirit of Alaska debit cards can be added to your digital wallet for quick and convenient payments. Purchasing has never been easier and smarter, whether using your phone at checkout or with one click online.

    Read more about Digital Wallets

    Connect to Apple Pay, Google Pay and Samsung Pay

    Parents and guardians are responsible for any activity on a minor’s Spirit of Alaska Youth Pocket Cache Debit Card, whether transactions are through a digital wallet or using the physical card.

    Additional Information

    Proof of Identity for a minor

    We cannot open accounts for a minor without a proof of guardianship by the joint adult on the account. However, the parent or guardian’s name does not need to appear on the debit card.

    Parent or legal guardian must provide a form of ID for the minor. Valid identification options include a state issued ID, passport, driver’s license or school ID card. State issued ID’s prior to a driver’s license can be obtained through the DMV.

    Overdraft Protection Policy

    Overdraft Protection is disabled by default on this account to protect minors from overdraft charges. Purchases with a debit card will be declined if they are over the amount available in the account. Overdraft transfers from a savings account can be setup, as long as there is money available in that savings account.

     

    Over 5,000 branches through shared branching. NCUA insured up to $250,000.

    Check depositories available at our branch ATM’s and Peger Road ATM.

    Apple Pay is a trademark of Apple Inc., registered in the U.S. and other countries. Google Pay is a trademark of Google LLC. Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd.

  • Rates
    Account Type Min. Bal. to avoid fee Min. Bal. to Earn Dividends Dividend Rate APY*

    Youth Pocket Cache Checking

    		 $0.00 N/A N/A N/A

    *APY = Annual Percentage Yield. Current as of 9 May 2025. Refer to our Pricing Guide (PDF) for all fees.

    Federal law requires us to verify all identities when opening new accounts. If you are applying with a joint applicant, their consent is implied when the application is submitted with the on-line loan application.

  • Calculator

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  • FAQ

    Frequently Asked Questions

e-Teller Login

Alert:

Scammers are increasingly targeting financial accounts by posing as credit union or bank employees. Never share your one-time passcodes, authentication codes, debit/credit card numbers, or online banking passwords. Spirit of Alaska will never request these details over the phone, via email, or through text. If you receive a suspicious call, even if it appears to be from our official number, hang up and contact us directly at 907-459-5900 to verify.

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I need help with Youth Pocket Cache

We’d love to help! Just give us your name, phone number, and email address and we’ll contact you as soon as possible!

    For your security, do not include sensitive information, such as Social Security numbers or account numbers, in your message. If you need to communicate with us about sensitive information please use the Message Center in e-Teller, your online banking application, or call us during regular business hours so we can verify your identity. For other inquiries, send us a message here and we're happy to help!

I have a question

We’d love to answer your questions! Just give us your name, phone number, and email address and we’ll contact you as soon as possible!

    For your security, do not include sensitive information, such as Social Security numbers or account numbers, in your message. If you need to communicate with us about sensitive information please use the Message Center in e-Teller, your online banking application, or call us during regular business hours so we can verify your identity. For other inquiries, send us a message here and we're happy to help!

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