SEED
Learning While Saving
Our unique SEED debit card account helps kids under age 18 grow financial savvy and independence in a safe, secure and shared way, with parent guidance and support.
Table of Contents
At-a-Glance
Banking for kids, managed by parents. A checking account and debit card for kids, managed by parents. Safe, secure, and shared, Seed enables kids under 18 to grow their financial independence.
This convenient debit card is perfect for excursions, school trips or in case of emergency. Just set up your parental controls and spending limits, then watch their money smarts grow.
- Set daily spending limits for debit card purchases and ATM cash withdrawals
- Up-to-date account monitoring and management
- Set email and mobile alerts through Online Banking
- Set up regular “allowance” through recurring account transfers
Minimum Deposit
$50
Monthly Fee
None
Features
- No minimum balance requirement or monthly maintenance fee
- Free Seed Card – Visa debit card. Choose from four exclusive Seed card designs
- Free Online & Mobile Banking – individual access for parent and child
- Free eStatements
Choose a design that fits your style
Let your child select from five different card designs.
Responsibility Starts Here
To get started, apply online or visit one of our convenient branches.
A checklist of what to bring with you to open a Seed Checking Account1:
- $50 minimum opening deposit
- Your government-issued photo ID
- Your child's government-issued photo ID (if none, your child's birth certificate and Social Security card)
- Your child’s Social Security number (Social Security card may be requested)
* Accounts subject to approval. Additional terms, conditions and fees may apply. A paper statement fee of $2 per printed account statement will be charged monthly unless customer enrolls in free eStatements.
1. Account opening and debit card issuance are subject to approval.
To view our current personal deposit rates, please click here.
To view our Schedule of Service Charges, please click here.
Frequently Asked Questions
We're here to answer any questions you or your keiki may have.
Categories
Account Opening
What is the best age to sign my child up for Seed?
What is the best age to sign my child up for Seed?
We recommend Seed for children beginning at about 12 years old. We encourage talking to your child about the importance of financial responsibility and how to use a debit card. An adult co-owner is ultimately financially responsible for the account so every parent should decide what’s right for their child and family.
How can my child get a debit card without being 18?
How can my child get a debit card without being 18?
Seed is specifically designed for children under the age of 18. However, because your child is underage, a parent (or adult guardian) needs to share ownership of the account. Your child will receive their own debit card, and can register for their own Online and Mobile Banking access. As the adult co-owner, you will be financially responsible for the account.
Do I need to bring my child with me to open up the account?
Do I need to bring my child with me to open up the account?
Yes, if you open an account at a branch, please come with your child and the items listed above.
I am getting error messages while trying to complete the online application. What should I do?
I am getting error messages while trying to complete the online application. What should I do?
When applying for a Seed account online, please complete the application with parent/guardian information only. After submittal, a Hawaii National Bank representative will contact you to add your child as a joint owner. If you continue to have problems, please give us a call at (808) 528-7800 during business hours (Mon - Fri: 7:30am - 6pm) or email us at awaiiNational.bank.
Parental Controls
Can I set daily spending limits?
Can I set daily spending limits?
Yes, daily limits can be set at account opening.
The default spending limits are: • $100 daily limit ATM cash withdrawals • $300 for Seed debit card POS purchases
Changes can also be made by calling Digital Banking at (808) 528-7800.
Can I set up mobile alerts to be notified when my child uses their debit card?
Can I set up mobile alerts to be notified when my child uses their debit card?
Yes, you can set email and mobile alerts through Online Banking. Click on “Account Alerts” under the Accounts tab.
Will I be able to view all account activity?
Will I be able to view all account activity?
Yes, in addition to monthly eStatements, you can view all transaction activity 24/7 through Online Banking or the Hawaii National Bank mobile app.
What happens if my child loses their Seed debit card?
What happens if my child loses their Seed debit card?
If your child loses their debit card, please notify us immediately.
During business hours, (Mon - Fri: 7:30am - 6pm) call (808) 528-7800.
After hours, call (888) 297-3416. If outside of the U.S., please call (206) 389-5200.
Your child can also turn off their debit card through the mobile app, using their Mobile Banking login credentials.
Does my child need to present a photo ID to use their debit card?
Does my child need to present a photo ID to use their debit card?
Some businesses may ask to see a Photo ID. Please make sure your child carries their school or government-issued photo ID with their debit card.
Seed Resources
Starting a conversation with your kids is the hard part. Use these helpful guides and resources to help lead them to better financial independence.