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A real, local bank
A real, FDIC-insured bank — not a faceless app built to keep your teen spending.
NEXGEN CHECKING & SAVINGS
Help your teen learn to save — not just spend.
Built for ages 16–24 · no monthly fee · no minimum balance
Open a NexGen AccountMOST TEENS ARE LEARNING ONLY HALF OF MONEY
What Makes NexGen Different
Payment apps make spending effortless and teach almost nothing else. Tap, buy, repeat — with no real bank behind it and no easy way for you to stay in the loop. The habits your teen forms now are the ones they carry into adulthood, and the money habits set at 16 are far easier to build than to change at 26.
Without a real first account, a teen can reach independence knowing how to spend on an app — but never how to save, and with no one who knows them to turn to. That's where Civista comes in.
You as a joint owner
Genuine visibility into how your teen is doing — you’re on the account, alongside them.
Checking + savings, paired
Two accounts together, so your teen practices spending and saving from day one.
A local guide
A local banker who knows your family by name — and is there when questions come up. Built for ages 16–24, with no monthly fee and no minimum balance.
WE'VE HELPED FAMILIES DO THIS FOR GENERATIONS
We know what it feels like to want more for your teen.
We know what it feels like to want your teen to gain independence without just handing them a money app and hoping for the best. You want them confident with money before they leave home — and you want to stay involved while they learn.
Civista is a real, local bank where you’re joint owner and can sit down with a banker who knows your family. NexGen is built for exactly this moment.
RECOMMENDED
THE FULL HEAD START
Open Checking + Savings online
Apply for each one, right from your phone — with you on the account alongside your teen.
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Both accounts, opened in one sitting
- You and your teen, side by side, as joint owners
- Debit card and direct deposit ready to go
Checking and savings are two short applications. Most families finish both in about 10 minutes.
RATHER DO THIS IN PERSON?
Open with a local banker
Sit down with someone who knows your family, ask the questions you'd rather ask face to face, and leave with both accounts open.
- A banker who knows your name, not a chat window
- You and your teen, side by side
- Same accounts, same terms, just with a person
Bring a photo ID for you and your teen, plus your teen's Social Security number.
Either way, you're banking with a real local bank — and that branch is still down the road when you need it.
THE SHORT VERSION
From worry to confidence — here’s how it works.
Open the two accounts together, let your teen practice with simple tools and your guidance, and watch them build habits that last — with a local bank that knows them by name.
THE PARENT
You want a young adult who’s genuinely confident with money before they leave home.
THE PROBLEM
Most teens are tapping to spend on an app — no real bank behind it, no easy way for you to stay in the loop.
WHAT WE BELIEVE
A teen’s first experience with money should build real confidence — a parent alongside, a real bank behind.
THE START
So we built NexGen for ages 16–24 — no monthly fee, no minimum balance, and you as joint owner.
Checking and savings at a glance.
| Its job | Everyday spending — practice using money well | Putting money aside — practice saving toward a goal |
| Ages | 16-24 | 0-24 |
| Joint owner* | Parent / guardian | Parent / guardian |
| Monthly fee | None | None |
| Minimum balance | None | None |
| Minimum to open | $25 | $5 |
| Digital tools | Online & mobile banking, card controls | Goal tracking / auto-save |
*Accounts opened by a minor (under 18) require a joint owner 18 years of age or older on the account.
Eligible surcharge fees from other ATM owners are rebated up to $20 per statement cycle. Non-Civista ATM transaction fees may still apply. See current fee schedule for details.
FREE PARENT'S GUIDE
Get “5 Money Conversations to Have with Your Teen This School Year.”
A short, parent-to-parent guide — five quick talks you can have this school year to help your teen learn to save, not just spend. No finance degree required.
- One conversation a month, tied to moments already happening
- How to start each talk — and the habit it builds
- A simple way to put all five into practice
Give your teen a real start — with you alongside.
Open NexGen together, or grab the free guide: 5 Money Conversations to Have with Your Teen This School Year.
