Sow and Grow Accounts

Kid accounts with a greater purpose

Help your kids develop healthy financial habits and a sense of independence. At Merchants & Farmers Bank our Sow & Grow checking accounts are designed to make learning fun and interactive, with rewards and incentives that make sense for kids and young adults.

Sunny Savers Checking Account

Ages 0-12

$25.00 opening minimum balance
No balance minimums
No monthly service charges
$10 birthday reward
Automatic Transfer/ Direct Deposit Capability
Online Banking for parents only
Earn 5% APY on up to $500.00 (0.25% APY on balances above $500.00)
Debit Card available ($250 daily limit)
Access to ZOGO, a financial literacy app to play games and earn rewards
No overdraft protection

Junior Jumpers Checking Account

Ages 13-15

$25.00 opening minimum balance
No balance minimums
No monthly service charges
Automatic Transfer/ Direct Deposit Capability
Online Banking for parent and minor
Debit Card available ($500 daily limit)
Access to ZOGO, a financial literacy app to play games and earn rewards
Mobile Deposit Access
No overdraft protection

Money Masterminds Checking Account

Ages 16-18

$25.00 opening minimum balance
No balance minimums
No monthly service charges
Automatic Transfer/ Direct Deposit Capability
Online Banking for parent and minor
Debit Card available ($1,000 daily limit)
Access to ZOGO, a financial literacy app to play games and earn rewards
Mobile Deposit Access
No overdraft protection