Why SMARTStart Checking Is a Great First Checking Account

Growing up comes with a lot of firsts: a first job, a first paycheck, or the first time you need to save for something important. A checking account can help make those first moments easier to manage. 

A Goldenwest SMARTStart Checking Account is designed for members ages 13-25. It gives young members a convenient way to spend, save, and begin building healthy money habits. 

A Checking Account for Everyday Life

A checking account is typically the account you use the most. It is where paychecks are deposited, where you keep money for everyday purchases, and where you hold short-term funds for easy accessibility. 

With a SMARTStart Checking Account, you can use your Reward Yourself Debit Card for purchases, track account activity through digital banking, and monitor your spending. Learning to review your transactions, plan for upcoming events, and protect account information can turn everyday money decisions into lasting habits.

SMARTStart Checking is free, with no monthly or annual fee. That means members can focus on learning how to manage their money without worrying about a monthly checking account charge.

Earn Rewards While You Spend

SMARTStart members can earn Golden Rewards Points on qualifying debit card purchases. Those points can be redeemed for rewards, helping make ordinary purchases a little more rewarding.

Members can also use Round Up Rewards to build savings a little at a time. When enrolled, debit card purchases are rounded up to the next dollar, and the difference is deposited into a high-yield Gold Account. Small amounts can easily build up over time, helping you reach whatever goal you may have, whether it be concert tickets, a new laptop, a car, or a little cushion for the unexpected. 

Build Money Skills with Goldenwest Smart Money

Goldenwest Smart Money is an online learning experience that helps members build confidence with money. You can explore financial topics, set goals, track your progress, and complete learning activities at your own pace. These lessons can provide a helpful foundation for decisions you will soon make on your own. 

With a SMARTStart Checking Account, you may also be eligible to earn incentives by completing qualifying account activities and Smart Money courses. It is a meaningful way to put your learning into action while working towards a reward. Visit the Goldenwest Smart Money page for current eligibility details and program requirements.

A Smart Place to Start

Money habits do not have to be perfect from day one. What matters is having a place to start: a way to manage spending, save toward goals, and learn from each decision along the way.

Whether you are opening your first checking account, starting your first job, or preparing for more independence, SMARTStart Checking can help you take the next step with confidence.

To learn more or open a SMARTStart Checking Account, visit a Goldenwest branch or explore SMARTStart Checking here.