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If you’re between the ages of 15 and 17, then these accounts are for you! The Young Adult Checking and Savings accounts1 are designed for teenagers who need access to their own money. The Checking account is only $50 to open, the Savings Account4 is only $25 to open, and after that, there are no minimum balance requirements for either account!

See below to find out which one of NBC’s youth accounts will best suit your needs!

Young Adult Checking Account

These accounts have many beneficial features including:

  • NO monthly service charges
  • FREE Online Banking and Mobile Banking2
  • Debit card access
  • FREE E-statements2

This is a great first checking account for a teen who wants to learn how to manage their money!

Young Adult Savings Account

This account is a great compliment to your Young Adult Checking Account! Benefits include:

  • NO monthly service charges
  • FREE Online Banking and Mobile Banking2
  • Debit card access
  • FREE E-statements2
  • An interest rate of 0.05% APR and 0.05% APY3

This is a great first savings accounts for a teen who wants to learn about saving money!

Student Savings Accounts

For those who are under the age of 15 but still wish to save their money, NBC offers a Student Savings Account4 just for you! These passbook accounts can be opened at participating schools, or simply by stopping into your local branch with a parent or guardian!

This account is a great tool for learning the importance of saving money along with how to keep track of deposits.

Other benefits to NBC’s Student Saving Accounts include:

  • Earning an interest rate of 0.05% APR and 0.05% APY3
  • Needing only $2 to open the account – with no minimum balance after
  • NBC making the first deposit after the account is opened!

Mobile Banking

Enjoy the convenience and flexibility of managing your finances from wherever you are!


Clear up your clutter and go green with E-statements from National Bank of Coxsackie!

VISA Debit Cards

Enjoy a fast, convenient, and safe way to pay!

Auto Loans

Did you know you can get your car or truck loan from your local bank!? What about your RV, four-wheeler, or sNow mobile!? Learn more here!

1Account must be joint with a parent or legal guardian. This is an E-statement only account. Overdraft/returned items fees may apply. 2Standard messaging, internet and data rates may apply. 3APR= Annual percentage rate. APY= Annual percentage yield. Interest rate may change without notice. Fees could reduce earnings on the account. 4Due to Reg D limitations, during any month, you may not make more than 6 withdrawals or transfers from a savings account to another bank account of yours or to a third party by means of a preauthorized or automatic transfer, telephone transfer, online banking transfer, or similar transaction. Failure to comply will result in a $10.00 fee per item over the 6 item limit. Opened as a Custodial Account under the NY Uniform Transfers to Minors Act. See branch for full details. Rates effective - 09-27-2022